I'm kind of surprised that, given the number of folks on this forum who state they'd pay more for a "quality" rv and complain about customer service of CW, etc, everyone here is talking about buying insurance based strictly on price. Not all insurance companies are created equally!
I'm one of those that has had the same insurance company since the late 90's. I've had a number of claims over the years, only one of them a collision that was my fault. Each year, the insurance company sends out a dividend check, and the year I had an at-fault accident it was no different. My rates have never gone up based on any claim.
Beware that some will try to install junk yard or after market parts. With a previous insurance company I was hit while parked in a lot. Wasn't even in the car. It was 6 months old and the insurance company insisted on installing a junk yard part. The best I could do is work with the body shop to ensure the part was absolutely pristine. Much better, I guess, than if they tried to install an ill-fitting after market part.
A friend hit a deer on a trip out of state. His cut-rate insurance company told him to pay for the repair and they would reimburse him. Huh?
My neighbor backed into my legally parked truck. Clearly her fault, and it even stated so in the police report. I chose to go through my insurance company, pay the deductible, and get reimbursed when her insurance company (geico) paid the claim. It took geico five months to pay the claim! And it was her fault!
The body shop I deal with is highly rated, and is one of my insurance company's preferred places, even though I can choose any shop I want. He told me some insurance companies take so long to pay him that he tells customers who have these companies they will have to pay him up front and get reimbursed. Notably, Progressive is the absolute worst in this regard, according to him.
Let's talk customer service. When calling my insurance company, the longest I've ever waited to speak to an agent was three minutes, and I've always been satisfied. How many can make that claim? On top of that, my insurance company's rates are highly competitive.
Switch insurance companies to save a couple of dollars? I don't think so.