I just switched from Geico, I had them for over a decade and now I'm going to save $540 per year switching to AAA. I got my renters insurance through Geico, but they outsource it so although they did the paperwork, I think I'm insured through Travelers or something like that.
To be honest, I am not a big fan of Geico. I've never had insurance through them, but mainly because they make the quote process really quite difficult. When I was calling around about homeowners insurance last year, everyone else gave me a quote based on the home's address, purchase price, etc. Geico insisted that they needed to do a credit check (which I did *not* want done right before applying for a mortgage, thank you very much!), which they only mentioned they were going to do in passing and almost under the breath, so that I had to jump in on the spiel and say, "Uh, no, thank you, please don't do a credit check." Then he tried to talk me into it, and then finally agreed to do a "provisional quote," which, he said, would be higher than my actual quote once I agreed to a credit check. Whatever! And the quote *was* high compared to everyone else.
Anyway, I believe when it comes to insurance, your first priority should be to use a company you trust and who will take good care of you if you ever need to make a claim. Insurance is only as good as the service that underpins it--if they are going to try to cheat you out of your claim, then what have you been paying premiums for? And, sadly many insurance companies will make you jump through so many hoops you'll wish you were just paying out of pocket, and then they'll deny coverage over little loopholes and red tape. So I say, choose a company you trust and know has a good reputation for good claims service, and don't worry about paying a few bucks extra. Some names that come to mind are AAA, State Farm, and USAA (if you have access to USAA, they beat everyone hands down in my opinion--we do nearly all our financial business through them).
To be honest, I am not a big fan of Geico. I've never had insurance through them, but mainly because they make the quote process really quite difficult. When I was calling around about homeowners insurance last year, everyone else gave me a quote based on the home's address, purchase price, etc. Geico insisted that they needed to do a credit check (which I did *not* want done right before applying for a mortgage, thank you very much!), which they only mentioned they were going to do in passing and almost under the breath, so that I had to jump in on the spiel and say, "Uh, no, thank you, please don't do a credit check." Then he tried to talk me into it, and then finally agreed to do a "provisional quote," which, he said, would be higher than my actual quote once I agreed to a credit check. Whatever! And the quote *was* high compared to everyone else.
Anyway, I believe when it comes to insurance, your first priority should be to use a company you trust and who will take good care of you if you ever need to make a claim. Insurance is only as good as the service that underpins it--if they are going to try to cheat you out of your claim, then what have you been paying premiums for? And, sadly many insurance companies will make you jump through so many hoops you'll wish you were just paying out of pocket, and then they'll deny coverage over little loopholes and red tape. So I say, choose a company you trust and know has a good reputation for good claims service, and don't worry about paying a few bucks extra. Some names that come to mind are AAA, State Farm, and USAA (if you have access to USAA, they beat everyone hands down in my opinion--we do nearly all our financial business through them).
Good luck, and blessings.
Heather