Humm, that does not sound quite right to me.
However there is some advice, it's a line from a song:
My Mamma Told Me, To Do the Shop Around.
Good song, Good advice.
Check AEON, and Nationwide, and Gico and the others..
Also, make sure you read the fine print on what is excluded. Some folks have been surprised with the discount Insurance companies.
Home is where I park it!