How much you pay is important, but you are paying for that time when you have to make a claim. At least I am. We have, over the years, tried many different ins companies and found State Farm to be the best when it comes time to needing them to be there. Sometimes they are the chaepst, sometimes not, but the old adage, 'like a good neighbor.....' is true. Car accidents, homeowner claims, they have taken care of our needs. Hight winds blew half our roof off a few years back. We had a check, in our hands, the next day. Of course it helps to have a wife who's been in the insurance industry for nearly 35 years too. We have the correct coverage, have eliminated the crap, and understand the lingo, which is usually most of the problem. I wish you all well with All State. They sure do make good commercials.....