All ins co will pay to fix your vehicle. I now have no loyalty to them and shop every year. Sometimes no savings, but sometimes big savings. I now have an independent agent that shops it for me and i get a quote or 2 to keep him honest. He has been very good at saving me money. I have ins with Safeco and Dairyland and still have a policy with a Farmers agent that Safeco wouldnt cover. When i switched my motorcycles from Progressive to Dairyland they asked if they lowered the premium would i stay and i told them they should have lowered it a week before and said goodbye.