Happens to me every 2 years with the same excuse. I have zero loyalty when it comes to auto insurance, neither should you.
Yep. The only reason I have insurance is so I can legally obtain a registration for my vehicle; I don't actually expect the insurance to work when I need it. Have not been impressed by an insurance company enough to not drop them after 1 or 2 years.
Costco is about buying in bulk, so they require you to have at least 5 cars to insure.
When I buy a house, that's probably going to be a legitimate problem for me.