I also, hate insurance companies. You basically pay the bills to be legal on your car or mortgage, but if you need to actually collect, good luck. Commercial is worse. However, TAB, if your beef is personal, not commercial, there is a partial exception. USAA. It insures only military, current or former, but your coast guard service should quailify you. They are a non-profit (a co-op) and their rates are as good or better than Geico, and they pay claims quickly, with no penalty. If you are eligible, I would check them out.
FQ13