THEY GOT YOUR NUMBER FROM SOMEONE/SOMEWHERE and may have even paid good money for it.
A simple solution? Just pass a law that they have to tell you where they got your number if you ask.
Did your insurance company pimp out your phone # or was it the charity you gave to or your bank, credit card CO., etc. Your phone # got on their list somehow and that is the place to start. If someone sold your # to them then they may not even know you don't want calls, or even care of course, but I started getting calls from this company the moment I gave to a new charity group and they have not stopped.
If you are on the Do Not Call List, no matter how much money they spent to get your number, THEY CAN NOT CALL YOU - PERIOD! Take the time to register and report it every single time they call!
They also, BY LAW, call you after a certain time and they should know their time zones. I know this, because I used to work for a credit card company that made calls - didn't last long!