Have you ever really analyzed the commercial talking points in an insurance commercial?

1. State Farm – They promise to be there when something happens.

2. Progressive – Best price and price comparisons

3. Nationwide – No long call wait times

4. Farmers – No fine print for stuff you are not covered for and no unnecessary coverage

5. Liberty – Fair replacement coverage for auto damage

6. GEICO – Lower rates

and so on and so on.

What is missing here is finding a single insurance company that does all the points found in #1 through #5.

Case in point. I experienced State Farm call holding times for the claims department were 20 mins to 1 hour. At the end of the day your experience with any of the above companies will differ.