This is just hear-say - I've never had GEICO.
It used to be that if you filed a claim with GEICO they would drop you or raise your rates tremendously.
I don't know if it's still the case.
I get suspicious of companies that advertize on TV too much. How much lower would their rates be if they didn't spend so much there?
What about [link|http://www.usaa.com|USAA]? Our car and home insurance is with them. (One needs a family member that is, or has been, in the military to join.)
HTH.
Cheers,
Scott.