Assuming that all claims denials are well-founded. It is not uncommon for claims adjusters to make mistakes or to unfairly deny or scale down a claim. Critics of the industry say that some adjusters actually engage in nullification of contractual rights by denying legitimate claims on the assumption that the policyholder will just give up and go away. So if your claim is turned down make sure you understand why and check to be sure the denial is justified. Ask the company to explain the denial in writing, citing the provisions of the policy that are relevant and explaining their decision.
Price comparisons are sometimes readily available, sometimes free and sometimes for a fee.
Insurance departments, including Pennsylvania, now publish shopper's guides with premiums for auto, homeowners and other forms of coverage. Consumer Reports will make an auto insurance premium search for you for a fee. It also often prints surveys of premiums in various lines as do other consumer magazines. Many companies provide a free-service of providing premium quotations from different kinds of companies for term life insurance. If you're using agents or brokers, make sure they've shopped for you.