yea...the insurance business is a win win deal for them, it's mandated and they can raise your rates if you actually file a claim...go figure
Not to mention the claims that you put in may not even be "claims".
According to my insurance company, I have 12 claims over the last 10 years. Only one has been an accident (I was not at fault), and they still counted it as a "claim". All of the other "claims" have been for glass repair/replacement. And though they are "free" as part of Comprehensive, they don't tell you that each counts as a claim.
I tried to switch companies and found this out...