I was once a customer, and did not think much about them. Their Claims policy is suited to their needs, ie. to pay you as little as possible.

once I add all the stuff I think I need, and want to cover myself in case I do have a accident, I am paying way more for what I have now.

I asked them one time why did they deliberately mislead their customers, and she stated that it was the customers responsibility to know what they needed.