if every insurance company is hundreds less than all the others, why arent they paying us to be a customer??

It just a claim. Some are cheaper it depends what you need or want. Or think you need or want. They lie

Technically a mutual company will. Instead of stockholders, the company is owned by its policy holders and one gets paid dividends just like a stockholder.

They do with cheaper prices.

If all credit cards give u cash back and. Why ain't we all rich