Re: Auto and home insurance...
I think there are two considerations: safety and service. Safety is easily assessable by looking up an insurer's credit rating with Moody's or S&P. You want an insurer that will remain solvent in case of a claim, especially if something hit a large area. Service is harder to judge. Consumers may be helpful, as is reputation, and some state regulators publish complaints per thousand insureds.
Personally, I will go with the cheapest company as long as they are rated A2 or better and have at least tolerable service. For life insurance, I would have different standards.
IMO, you could do a lot worse than Amica.
"Neither my companion or I carry firearms on our persons. We depend on the goodwill of our fellow man and the forbearance of reptiles."
- English Bob