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I am with GEICO, and this is my 2nd time around with them. Lured away by Progressive because of rate only to have the rate increase and exceed GEICO a year later, so I went back. I was never unhappy with GEICO, just tried to save a buck.
I've never had a claim, but my sister who is also with GEICO did and they were great to work with. Had an adjuster there the next day and my sister's claim was settled within the week - fairly.
Don't let rates rule you. Your individual state's insurance laws have as much to do with rates as anything. Each Ins. co. has a proprietary rate formula, which in my state must be submitted and approved by the State Ins. Commissioner. Once that happens (and it's an involved process) the ins. co. is locked in, they cannot easily change in order to compete with co. X. Progressive is waay higher in my state because of this process than say GEICO.
State Farm is a very good co., but inclined to cancel you if you have a claim (or jack your rates to the point you wish they had).
Btw, my Boxster is not insured w/ GEICO. I am under an agreed value policy with a Collector Ins. co. - I get full coverage for 7500 mi. annually (I store the car in winter, and it's not a DD - avg. 5800mi./yr.) and I pay $244/yr. full coverage. Don't have to be in attendance, not restricted to parade or club activities, etc. Just need to be a PCA member and send proof of an alternate car for each licensed driver (we have 6 cars + 1 bike, 2 drivers) and send a photo of your garage, which must be at your primary residence.
Sometimes a switch can be a good thing. If you find it's not, you can always switch back as I did.
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