i have had American Collectors on my charger for years, because my agent [whom i have been with since around 1973 or so] deals with Erie insurance which i have on my house and daily drivers [and has been a VERY good agent !] and he had that company as well. i have never had to file a claim. [knocking on my head, er, i mean, wood ! ]
however, i'm thinking to ask him if he deals with any other collector companies as well, and if he does, i will compare with the possibility of switching when my current policy expires in august.
i want to stay with my guy because he has been absolutely fantastic over all these years, and at this stage of my "game of life", i see no sense in switching agents now.