Eh, I know people who work in insurance (Cali specifically) and auto insurance is not their bread winner. It's _heavily_ regulated, and not in the insurer's favor. So any supposed "collusion" isn't really helping them. If you're with a reputable company and took the time to set up your policy optimally, your auto insurance ends up being about as good a deal as you're going to get anywhere.

(FYI, the real steak and potatoes in that industry is life insurance policies. They can make more on that than anything else combined.)