I was in an accident in August and I was really unhappy with the way our insurance company handled the claim and also displeased with their 'preferred body shop'. Everyone involved dragged their feet and we didn't (our fault) have rental coverage so I was without a vehicle for 6 weeks, it was an absolute nightmare.
We finally just got everything settled and our policy is up for renewal in December so I decided to get an independent agent and have them shop around for us. We just got our quote back and we are going to save $1000/year and that included rental car coverage!
I am absolutely giddy excited about this. That is soooo much money!