That ain't how it works. If you look up the reviews on each company's website, you'll find page after page of gushing reviews from happy customers. And if you look up independent website reviews for those same companies, you'll find page after page of reviews comparing each of them to Satanic cults and Soviet communist republics.
So how do you find out who to sign up with? You do it like this...
Instead of the internet, contact each one and ask for an appointment to go over their estimate in detail. Whoever doesn't call you back, or whoever tells you to look it up on their website, that's who you know to not sign up with. For those who do want to talk to you in detail, ask them some questions like these.
- What does deductible mean, and how does it work?
- What's this bodily injury limit thing?
- If my vehicle is damaged by vandalism, how would it affect my rates?
And stuff like that. Feel free to ask questions of your own, especially really dumb questions. Then pay attention to the answers you get, because that matters. They're all roughly the same cost, which means you'll be forking over thousands in hard-earned cash no matter what. If someone doesn't have time to answer a few stupid questions before you sign up, what are the odds that they'll work hard for you when you really need their help?
You asked a good question, but you asked the wrong people. Now you know who the right people to ask are.