I have been with Geico for over 3 years now. My rate has always been stable and has always been hundreds of dollars cheaper then other top rated companies. During the course of being insured with Geico I was hit while in a rental car. Geico claims paid my PIP claim fast, and I am very pleased with Geico's handling of the PIP part of the claim. Also Geico didn't raise my rates because of this Not at fault accident.