People buy life insurance based on price. Whether you're alive or dead isn't generally difficult to establish. People buy other types of insurance based in par

People buy life insurance based on price. Whether you're alive or dead isn't generally difficult to establish. People buy other types of insurance based in part on price and in part on reputation. There are plenty of discussions (I've participated in some) about how insurance company X is too difficult to deal with, and insurance company Y is better when your car is totaled, etc.