Things are done this way to allow the Membership to decide who is here. If you cannot read a Sticky, do not have thick skin, cannot take a joke or are just a douche in General... you won't make it.
KillJoy
All I can say is this:
We use Allstate. We have:
Homeowners
Car x 2
Motorcycle x 1
Life Insurance
Life Insurance (child)
We "get" a large discount due to multiple policies. However, we have not shopped around for better rates.
KillJoy