We have none. We don't work for our customers and don't actually appreciate their business or loyalty as we obviously have no loyalty to them. Try a mutual company, they technically work for their customers who are both the shareholders and customers at the same time, rather than cattle to be milked and then slaughtered. liability is ranged approx 10 points, so that when people make an offer you can ask for 10 more percentage points. The harder you might argue and more irritating you are the more you will get, just don't get discouraged when you hear "no", just keep calling back. When you have a car accident you are entitled to money for loss of use (in this state at least) even if you don't rent a car. File small claims suit any time anybody says "comparative negligence" or low balls your rental or repairs - in my state it costs 35 bucks to file suit without an attorney and you don't have to do anything - presto, the a-holes who hit you get slapped with a summons and the insurance company has to hire an attorney for a couple thousand - hey, maybe they should have just paid you that extra $500 bucks. Some companies pay nuisance money for injuries even if it is unlikely that you would collect just to go away - we are not one of them. Switch auto insurance every 5 years but don't move your homeowners - in our state at least
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