I have noticed a tendency in some insurance consumers to focus on price. My suggestion is to focus on value. Price implies that all insurance coverages and companies are the same. The facts do not back this assumption. Some companies pay claims fairly and in a timely manner. Others do not. Some people need basic liability protection others because of their wealth require more liability protection. My best advice is to hire a professional independent insurance broker by delegating your insurance purchasing to him/her. For most people this is a better use of their time, and in most cases they will be happier with the claims process.