Cheap Insurance

I'm sure you keep seeing the insurance commercials telling you that if you switch you can save around $500.  If all of these companies are saying this, then which really is the cheapest insurance company?  I have asked myself this very question so many times.  The only thing I can come up with is to compare cheap auto insurance quotes because different companies probably have different rules and ideas.  When I look for a new insurance company. I like to talk to people who are or have been covered by a specific company to find out how they are as a whole.  I do not want the cheapest insurance if that means that they have bad customer service or bad service in general.  I don't mind paying a little extra to a company who is going to be there for me if I get into a car accident.  I also don't want to pay too much because, let's all face it, there are other things we could be doing with that money, like getting my husband some more video games and getting myself a new bookshelf or two.  What would you do if you switched companies and had more money to spend on whatever you want?