Impressive, most impressive, Obiwan has indeed you taught you well.
There is no love lost between me and insurance companies. I consider insurance payments to be like burning greenbacks for reading light during the daytime.
I just read the entire thread (got into this fray a bit late). If it were me, I would consider that the original problems were an early warning sign of potential future worse problems with Hartford, and started looking for a new insurance company, or agent. Interesting to hear that AARP is just a member dues paid front for Hartford insurance. I joined AARP last year and 99% of what I got back was nice pretty, colorful advertising for insurance companies. I did not renew.
Hartford just accepted a huge chuck of federal TARP money (US Treasury loans from the TARP bail out of Wall Street) to help boost their capital due to stock market investment losses backing their life and annuity policies. Their stock is selling for 0.15 cents on the dollar of last years high.
My concern would be that if it was that hard to give them your business and money, consider how hard it would be to collect anything if you needed them. Even if all you have is liability insurance, you still want a company that will defend you if the accident was not your fault (I don't know how no-fault works, we don't have it here in Texas).
While I hate insurance companies, I hate State Farm the least. Been with them for 36 years. My parents had them for years too.
I would have called State farm first, asked them for a better quote, help, and ideas. Then called AARP since they are the commission earning agent. I never waste my time with BBBs. BBBs are run by the businesses they supposedly help police.
The state insurance regulatory agency might help, but it is a long term option, slow, painful, but depending on who is running the show they may be staffed by insurance people (In which case you are still screwed) or by real regulators (or maybe even by someone that hates Hartford :eyes

. If you get lucky they can be Hartford's worst nightmare.
Many here suggested threatening Hartford ( or maybe even AARP) with legal action. Just doing that might be enough to scare off insurance agents, and underwriters from trying to help you, or insure you. Who wants to insure some one that is already threatening them with a law suite? However, letting them know that you might be willing to set up a web site and declare war by creating a place for disgruntled ex-Hartford customers like you to post their own war stories might get someone attention. I have no doubt that this single internet thread will cost Hartford lots of money over the coming years, far more than they cost you.
I once got screwed over by a bank (Chase). 22 years ago they started mailing credit card bills 1-2 days before they were due ( I was sure they were doing it to everyone, as it happened 2 months in a row to me before I caught on to there new game). This was just after they raised the late fees from about $5 to $25/statement. I went to my local library and looked up the public mailing address of the CEO of Chase Bank in the public reference section of Standard and Poors guide to public companies. Then I mailed him a nice letter with copies of the statement date and the post mark on the bill to prove my case. I suggested that it must be an oversight, computer glitch (Ya right) in there system, and I offered him the chance to fix the problem before I forwarded to the then, Federal banking regulators (they called them Bank Examiners then, banks feared those guys back then). A few days later I got a phone call from the executive secretary of the CEO of Chase Bank asking what she could do to help. She was most apologetic, and said they had made sure it would not happen again. She gave me her direct phone number and told me to call her if I had any more problems.
Now that you have them where you want them, I would see if State Farm is available in Florida, and if it is cheaper than your latest offer from Hartford.
And hang in there, being a single parent is real tough, :banghead:I know, but it can be rewarding.
