*My consumer experience*

I've had insurance with Allegiance, Geico, Traveler's, and now Erie.

Geico was expensive. I knew I was paying for their prime-time TV ads.
I paid something like $1200 per year.

Traveler's was cheaper. I assumed it was the cheapest in town.
I paid $920 per year.

Erie, I was stunned to learn, is extremely cheap for the same
coverage.
I pay $530 per year. Yes, per year.

I cannot explain the discrepancy, other than to say that I've
never seen a TV ad for Erie nor heard a radio ad. Also, my customer
experience with my local rep has not been great. I call the corporate
office whenever I have a question.

Before Geico, I had Allegiance, which I recall was at the time
quite cheap. I may have been near the Erie price. However their
insurance became unavailable.