I used to have The Hartford. They were the worst ever. Now I have Nationwide, and I'm happy with them.

If you are fortunate enough to either have been in the military or have been a dependent of someone who was, you can get USAA coverage. They are, without question, the best. Lowest rates, best customer service, most variety of products.

Everything I've heard from friends bears this out. Unfortunately, you have to have that US military affiliation to get their coverage.