Try Erie Insurance Group. I have my house, 2 cars, a truck, and boat all insured with them. On single items their insurance beats all the companies in my area, including State Farm. I group all my insurance needs with Erie and get a multiple policy discount as well as discounts for anti-theft devices, home security system, etc.

Erie forgives your first accident and they don't give you problems when it's time for them to pay a claim.