Cheap and good can be done together. I am in upstate New York and my car is insured with GEICO. I switched to them for the reason they typically advertise: it's cheaper. The delightful surprise is that their customer service people are super-polite, sufficiently trained, sufficiently empowered, and on the two occasions when I have filed a claim with them, they have been fast about getting things back in order.
On a side-note, I've been to the Philippines. I think their English is more EN_ca than EN_us. I'm sure that's a lot like arguing EN_au vs. EN_nz, but there are some little bitty details that stick out if you are a native speaker of either. I've heard a lot of both, having lived in a border town.