When purchasing an automobile, you can buy a Rolls-Royce or a Yugo. Both are cars, both have engines and under most circumstances will get you where you are going. The style in which you get there may be different. Insurance is no different. Many companies offer coverages in their so called programs that while protection is in the contract the odds of collecting under their coverages on a loss is very small.
True insurance is the transfer of risk.
It is not designed to pay for a known loss but to put you back to where you started after an unforeseen event. The cheapest price may get you with a company that cannot afford to pay its claims timely. Often companies wait weeks or months to settle a claim to improve their investment standings. What is important to you, get a quick reasonable settlement or long delays waiting for a settlement offer. Our job is to weed out the companies that offer weak claims handling.