For the right person/risk they can be quite competitive here. Its all about finding the right person though, they want very preferred business around these parts. They are picky but reward that "needle in the haystack person". Just my 2¢.
In my area it is just as agent M described. For the right risk they are very competitive in my area, but if you have younger or older drivers, bad credit or claim history they will not be close by their own design.