I just filed my first claim, and it was incredibly easy. I was almost shocked when I found out that you CAN actually get a REAL PERSON on the phone. They even answer e-mails usually in the same day. Their communication is excellent.
I think I pay maybe $5 to $10 more per month then I would at one of the other companies. To me it's worth it not to be trapped in voicemail hell, or have to talk an automated system.