I dunno what you're using, but GMail is doing great for me.
The vast majority of the truly crappy spam just gets dropped on the floor. Practically none of it gets into my actual inbox.
My spam folder gets about 1 message per day. About half of it is well and truly spam. The other half is more-or-less legitimate mass email, and I unsubscribe to them when I notice them.
The emails you're describing sound like cold calls from companies that really ought to know better. You should report them as spam, and your provider should start weeding them out. Following the CAN-SPAM rules would be smart for them, because that's less likely to get them tagged as spammers and just plain filtered out.
Maybe you need a different provider. As far as I'm concerned, Google has solved the spam problem, at least to a tolerable level. I'm sure others have as well.