Chip, I have GEICO insurance. I've heard other people say they are expensive and I've had family with negative feelings about them, but for my experiences they have been above excellent. Between that and the fact that the local body shop they use in my area are probably magicians. I've had 1 hit-and-run and 1 severe Texas hail damage claim through GEICO and they were ridiculously easy to deal with and took about 4-5 days from claim to complete return (magic I tell you). I had one other hit in the parking lot almost identical to the hit and run where I went with the other company's preferred repair shop and it was a 2 month nightmare. Everyone's mileage may vary.