Your right to operate a motor vehicle comes with obligations. One of those obligations is to insure your vehicle so that you can legally drive on roads and highways.
There are many insurance companies out there for you to choose from and whatever you look for in an insurance company, it is your choice. The same holds true when it comes time to choose a repair shop. Your insurance company does NOT have the authority to tell you where to repair your vehicle, should you need to. It’s always your choice!