Why do you not have (minus) star rating??? This is...

Why do you not have (minus) star rating??? This is the WORST insurance company. Sent me a quote in the mail...I called them...
Had to answer questions which in my opinion have NOTHING to do with car insurance...fair enough I guess. So after one hour, yup one hour! on the phone, they come back and say they cannot insure me do to a claim I had from last insurance company....my car was parked and hit, filed a claim, paid the $500 deductible, car fixed and done right? Well it is WRONG to TSC.... Sir, we cannot insure you due to underwriting guidelines... So let me ask you, WHAT IS THE POINT OF HAVING INSURANCE IF YOU GET PUNISHED FOR USING IT?????? Do not waste your time even trying to get a quote. I also think anybody who put five stars is bogus, probably family members of employees.