<prompt> Human: One person told me theyre like banks and only friendsfamily get the lowest rates while there is a gullible moron rate that they assign you or a b8 r8 that changes after a few months and you have to pay fees if you want to end your service. I hope not all can insurance companies are like this. And am willing to shop around for the best rate. What do you recommend?  <response>: Shop around 