Insurance for Fifth Wheel Best Price

I retired from a P & C insurance company. Insurance prices are controlled by each individual state. I don't remember which is which anymore, but some states are file and use (each company can charge what the market will bear), some are prior approval (the state reviews your rates prior to approval, so you have to provide your premium and loss history), and some are named rate (the state sets the premiums) and your choices are "yes" and "no".
Good Grief! You're from Texas. They're "named rate." Many companies (like mine) choose not to write insurance in Texas. I talked to the Texas Commissioner's office one year about their calculations, and the guy said "That does look wrong. Oh, well".