Very pleased with Geico so far.
We are in NJ which is The Suck for car insurance rates (my insurance would be 1/3 of what it is now if I were still in western NY -- and that's with Geico's lower rates!). We have low rates though because I think Geico is fairly new to NJ and is trying to undercut all the other companies. State Farm, Progressive, AllState were all several hundred dollars more than Geico.
I also like that Geico doesn't go by credit score like Progressive -- they use education level and job as indicators as well. And as I have an undergrad degree, currently am a preschool teacher, and I am returning to graduate school now -- that bodes well for me and my car insurance!
Regarding Geico's system:
http://moneycentral.msn.com/content/...ar/P147883.asp
http://www.insurancejournal.com/news...3/21/66656.htm
We have StateFarm for Renter's Insurance.