For what it's worth, a friend of us that recently lost his GT to the stupidity of the Ford dealership staff followed by the ignorance of the body shop owners son finally settled with the insurance company - not his insurance BTW, the other party(s). He had at least $25K worth of upgrades, which at settlement time they valued at $2,000. When everything was all said and done, his settlement in total (Car & Upgrades) were approx. $130K give or take, plus a $1,000,000 worth of aggravation.
My point, we all may have great agents, but they are powerless when it comes to adjusters, discuss this before you buy a policy and research arbitration cases with your State. All the attorneys in the world may help you get on the proper course and feed your ego, but these insurance giants have attorneys coming out of their wazuus. Pick a company that treats their customers with "VALUE FOR THEIR BUSINESS" and one that has been around for a while as the $50 you may save every month may be $ for Prilosecs later on. Food for thought.