I work in insurance so I'm a little more understanding than the average person because i know what we need in claim files to document things when the state dept of insurance audits our files.
Insurance is a highly regulated industry which cuts down on a lot of the lowballing nonsense that went on in the 60s, 70s.
However, some carriers are better than others, but the better, more generous ones, you will typically pay higher premiums for. (Ie chubb)
With that said, yes, I'm no fan of farmers/foremost. One time i had just renewed the liability insurance on my motorcycle with them, then sold the bike the next month. They refused to return any premium to me! Said it was below the minimum they have to refund any back to me pro-rata. Such complete bs! I filed an insurance dept. Complaint on them over it and the insurance dept confirmed they don't have to send me anything back.
Well they may not have been required to, but considering that premium was for a year and i used it for a month the right thing to do would be to return part of it to me. I was and still am, 8yrs later, not happy about how they treated me. To me, that was just plain wrong and unethical. Yeah, I'm sure they had some administration costs, but it couldn't have been that much. I was not expecting it all back, just part of it and got nothing. I couldn't sleep at night if i treated people that way.
Never again farmers (this was foremost, owned by farmers) I've heard similar about allstate, progressive, selective, etc but have no experience with them.