Sometimes I think they give quotes by drawing numbers out of a hat. Progressive has always been the best price for me by far cheaper than Geico. The one time I did have to file a claim it was simple and easy. They said "take it wherever you want, get an estimate and call us back". The guy showed up in the claims mobile the next day, took a look at the car, went into his truck and printed out a check. He handed me the check, I looked at it, laughed, and handed it back. He went and printed out one that was satisfactory and that was it. The strange thing is starting with the next bill after the accident my premium dropped about $100 bucks a month.