Cheap insurance is generally crap insurance, but I was on the collision-repair side much of my career.
Companies like Allstate, Farmers, GEICO and some others were only interested in the cheapest, junk-parts, shortcut hack repairs they could force onto the customer.
I did have one Allstate adjuster who'd be reasonable, but he had actual repair knowledge, which is extremely rare these days.
My daily stuff & trucks have been insured with MetLife for many years, excellent service and not expensive.
They & Hagerty were always good to deal with on customer vehicles.