I will give my .02 because I am one of the guys that gets paid when someone gets into an accident and needs treatment. I would not just shop for a company based just on price. Look into how well they pay their claims. The bottom line about insurance is... are they going to pay your bill if you need them. Here is my ranking of four common insurance companies based on the ease of getting paid and the amount they cut from our bills.
1. State Farm ( they pay their bill any never give me a problem)
2. Nationwide (not as good as state farm but not bad at all to deal with)
3. Progressive (Just had to sue them for non-payment of medical bills, not recommended They will not pay the bills when you need it . and the Doctor/hospital my sue you personally)
4. Grange (#&$^&$ They are the worst at paying claims, I have had to sue them and patients in the past due to them. They give you a cheap price for your coverage, but if they are not paying the claims it is not worth it.)