I shop prices twice a year too. A couple of years ago I was shopping around on the phone and called progressive. My son had a learner's permit. They insisted then on adding him right away, with crazy rates. GEICO had my policy then, and they told me they had no need to add him until he was fully licensed. So far in my situation nobody's beaten GEICO, and they dropped our rates as soon as my son turned 18 and I put the Subaru title in his name. I haven't filed any claims other than glass repair, so I can't comment on their claims service, but on the phone they're great.

Forgot to mention, Progressive didn't want to insure the 240D because it had a european VIN and wouldn't show up in their system. GEICO had no problem with it and the rate was silly cheap.

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You're a daisy if you do.
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84 Euro 240D 4spd. 220.5k sold
04 Honda Element AWD
1985 F150 XLT 4x4, 351W with 270k miles, hay hauler
1997 Suzuki Sidekick 4x4
1993 Toyota 4wd Pickup 226K and counting