The thing about insurance is you never know how good it is until you have to use it, by all means go with a reputable company
Absolutely, it is very hit and miss and each "agency" is/could be different to each other agency. For example - All State might be great in Pensacola BUT here it is woeful and the agent/agency cannot be trusted and that is from personal experience. In short, what might work for me in Up State NY might not work for someone in Dallas Texas for example.
I went for 30 years without insurance and at $900 per year thats around 27,000$ I saved. It paid for both our bikes. It’s a gamble, but it paid off! I have insurance now however.