Insurance rates are all a wonderful game... I used to have a company in Boston that changed my rates on a monthly basis, if not more frequently. It wasn't by small amounts either, often several hundred a year or more. I finally dropped them after all these shenanigans (funny movie btw) and they had the nerve to come back to me after I cancelled the coverage and say "Well actually your rate for the last 2 months was wrong and it was really higher, so you owe us $250 in back insurance." Not surprisingly, a couple of months later I saw a profile of them somewhere talking about how they were defrauding lots of customers. They had kept bothering me for the money, so after I saw that I wrote them a letter return receipt detailing their corrupt practices and threatening to take them to court to recover the money they owed for overcharging me. I never heard from them again.
I tried to use Geico once for insurance, the first time I bought a new car. I was 21 and finishing up my senior year of college in Boston (1999). I had special ordered one of the new style VW Passats with exactly the options I wanted from a dealer in Albany. It was a Thursday and I called Geico to get insurance, but they would only send paper copies of the insurance cards (no fax or email or any other option). I had to bring them with me to the dealer on Monday to get the car registered and pick it up, which meant taking a bus from Boston to Albany and getting picked up by the dealer at the bus station. These days all of this stuff can be done electronically, but this was in the days of dinosaurs (i.e. fax machines were still standard). I spent an hour and a half on the phone with Geico doing everything I needed to get the policy and have the insurance cards overnight mailed to the dealer, including giving them a credit card to charge the overnight shipping to.
I had everything set up to go pick up the car and called Geico back the next day (Friday) to confirm the cards had went in the mail. Well would you believe that not only had they not sent them, but they had absolutely no record of me ever calling them. They only had a placeholder quote in the system I'd done a few days before with somebody on the phone when I was comparing rates. Thankfully I was able to scramble at 4 pm on a Friday and get somebody else to write a policy and send the cards overnight Saturday delivery to the dealer.
That's the last time I'll use Geico.