We have Geico as well and I am happy with them and their rates, although we never had any offenses, had 5+ years of prior coverage and 5+ years of driving experience prior to getting a Geico policy, and only one accident (my wife drove the car but she wasn't at fault).

But does GEICO do business in Canada?

I'm an insurance adjuster so I have to sound all high and mighty. Just remember, if you're seeing significant differences in the price of auto coverage you really do need to read through a policy before signing up. Generally the lower the cost the more restrictions you're going to have on the policy or the fewer features they're going to offer if you want to look at it another way. Keep an eye out for coverage restrictions in regards to who it covers when they're driving your vehicle and what coverage you're afforded if you're driving someone else's vehicle. As long as you're getting standard carrier insurance through a company like State Farm, Allstate, Geico, etc they shouldn't be too restrictive. For the most part, State Farm usually turns out to be the most expensive coverage but they're also some of the best (and no I don't work for them.) They tend to just pay a claim when you call it in and don't ask too many questions unless it's just something off the wall as most of their coverage is fairly expansive.

If you start going with some of the non-standard carriers (generally for people with less than stellar driving records) like Safeco, Safeway, Infinity, some Progressive policies, etc then you really have to start looking out for odd restrictions. Yeah, they'll be cheaper but it's usually at a price. Also try to get feedback on the claims experience as that's often telling. For instance, E-surance likes to brag about it's low cost but that's because it's almost all done over the phone or by their website. You'll probably never see anyone from the company and they'll use independent appraisers for most of their work which can be iffy depending on who they're using in your area. In short, it often makes getting the information you need tougher as you're always being redirected to their website or another phone extension rather than having one person, on foot, standing in front of you. Of course a lot of companies are going to that kind of model since it's cheaper but still, something to consider.

Oh, and most importantly, make sure you get high limits on the property damage liability and bodily injury portion of your policy, don't just get the state minimums. If you just get the minimum you can end up getting screwed should you be found liable for an accident with any kind of meaningful damage. I hate to sound cliche' but don't skimp on insurance coverage if you can help it. It'll help you avoid lawsuits in the future.

I strongly dislike USAA. In Minnesota, they have a drop-down clause in their policy that states that no matter what level of coverage you purchase, if the person making the claim against you is a family member (e.g. you crash and your wife is injured), then the policy limits drop down to the statutory minimum. Really skeazy.

When I was 24, I got insurance through Farm Bureau. They were much cheaper at the time. When I moved to a less risky demographic, Geico became cheaper.

GEICO.

I have been very happy with their rates, customer service and easy web interface for reviewing my documents and paying my premium.

I have had the same Farmer's Insurance agent forever, and he was my mom's agent since before I was born. I find them to be very happy to help you get exactly what you need and not push for more than that. Also, when things change in life, they are good at helping you figure out how to change your insurance to match.

First off, I hate Geico with the passion of a thousand burning suns. They are, hands down, the sleaziest insurance agency I have ever dealt with, including the Maryland Auto Insurance Fund(When you have to have insurance and noone will give it to you).

I've been insured with USAA for the last 6 years, and nobody can come close to beating their rates, including Geico, Progressive and, well, anyone.

As for who's good? State Farm, Allstate, etc. Progressive isn't horrible either.

Ah, there in lies the catch. I wasn't a customer. Short version is I was involved in an accident while inbetween insurance policies, and thus, not covered. I was not at fault, but the witch of a woman driver played up kids in the car, stressed, fraught, blah blah blah, despite the fact that she rear ended me, and raked a side mirror down the length of my truck, damage was clearly visible from the mirror, AND she was passing me illegally while speeding, the cop stuck me with fault.

So, Geico hits me with a claim for $2500. Nothing wrong with this, so I pay it, and 6 years later, they come after me again. My mom produced the proof of payment from before, they drop it. 3 years after that, they did it AGAIN. This is a claim that's nearly 9 years old at this point. So yea, they will never get my business, never get the business of anyone I can convince to drop them or not choose them, and will never get the business of anyone in my family.

Think of it this way: looks like if you're their customer, they're taking a really good care of you when the at-fault parties need to be shaken down for payments!

Collecting what you're owed is one thing. Suing for above and beyond that because you can fills me with rage.

USAA customer here.

Never filed any claims -knock on wood- so I don't know how they handle that, but I've got my car loan through them as well.

They've got great rates.

I generally go with the legal minimums.

Don't go with the minimum if you have assets to protect. If you don't own anything worth anything, then minimums are probably okay for you.

Geico has worked fine for me. If you have a credit union, or something like a Farm Bureau, you can join you should also check with them to see if they offer auto insurance (some do, some don't).

Aye, minimums are liability only. Still doesn't change the fact that I drive cheap cars

USAA rocks. I have them both for car and homeowners insurance. Crazy cheap compared to everyone else I've looked at. Good customer service, but I haven't yet needed to file any claims.

Edit: They also give you a dividend each year, they're not a public company so they treat members are shareholders and return the profits to them, which is pretty nice.