My wife worked for an insurance company for most of a decade as the complaint liaison with the states regulating body on insurance.

Insurance companies in the U.S. come in two types.

Type A: Rely on repeat business and word of mouth to slowly grow their business. They pay out reasonable and fair amounts based upon the loss. They follow all applicable laws/regulations and operate in good faith. These companies are quick to reject people who have bad histories.

Type B: Rely on recruiting new customers constantly by excessive advertising or purchasing other smaller companies. Pay out well below the market on anything they can and flat out refuse claims until lawsuits start. These companies routinely break state and federal laws because the fines are less than the profits. These companies prey on the lower income, elderly, and poorly indormed. The larger companies have hundreds of brands to give the illusion of choice to the consumer.

Any amounts of excessive marketing by and insurance company indicates that they are shit. Also research into who owns any the brand they are are marketing. If you recognize the parent company as advertising, they are shit.