What we need are recommendations based on claim history/service, not the lowest premium. If you are paying a low premium that probably reflects a lower amount paid in claims. This can be due to several factors, including assumed risk, but is probably based on their ability and success to deny your claim. I have a long history of excellent claim settlement with AMICA, both on vehicle and homeowners insurance. Unfortunately they probably won't insure you if you are on an island unless you can drive there.
