Agree. I'm with USAA and while they aren't the cheapest, they have come through in spades when I needed them.
Earlier this year, I collided with a large stationary object in the road on the way to work. I was on AutoPilot, following distance 2 and actually paying attention with hands on the wheel. It was dark and the object appeared out from under the pickup in front of me. The pickup cleared it, and didn't react, so by the time I saw the object, I knew there was no choice but to hit it. It also took out at least 3 other cars.
Unfortunately it toasted the battery. This happened on a Tuesday, and by 11:00 AM, the car was at Tesla Houston Service. By Tuesday close of business an adjuster from USAA had looked at it. Also on Tuesday evening, Enterprise was dropping of a "premium SUV" for me to drive while the car was of commission.
Tesla provided me with an initial estimate on Wednesday which was over 50% of the car's wholesale value at the time. I had the adjuster do comps and I was very satisfied with the value they gave me. We requested a loss based on the initial estimate missing things I knew would come later. By Friday morning, I had a total loss approved by USAA. No fuss no muss. USAA paid off my lien and sent me a wire for the balance within 7 days.
So yeah, sometimes Insurance costs. But when you need it, it pays off. Not saying that my car wouldn't have been totaled by another insurance company, or that I wouldn't have gotten my money. But in this case everything was super smooth, no arguing, no protesting, no nothing.