Been with SF for over 40 years. Nothing but good things and they stepped up BIG TIME on a couple accidents. I have great rates due to several reasons. Multiple vehicles, house and other stuff. I get a great discount for being there so long too. I've tried to beat them but so far no one can on the EXACT coverage. Lots of companies put up the B.S. but SF is on the money for me.
...I got turned down by a couple popular vintage and classic insurance companies because my vehicles are modified. One would not insure me and one was higher than SF and sent my check back. I went to SF, took my appraisals from an appraiser they approved, 4 pictures and I sleep very good at night.
All circumstance are NOT the same and rates are based on every thing from your driving record to your credit score....but that is another thread.
Search, compare, be informed then make the decision best for YOU.