My Geico rate was going to renew with a 40% jump. No accidents/incidents/tickets, recently or ever. If I hadn't looked into their (fairly confusing) billing documentation before renewal and given them a call to confirm, I wouldn't have even noticed until it was too late. Shopped around and the best new quote I could find (which roughly split the difference between my old rate and my new rate with Geico) was with Progressive. FYI you only get the max available discounts if you sign with them a week or more before your current policy expires.