I had Geico, until I got my TCH. When I called to update the new car, they qouted my a significantly higher premium than the car it was replacing, an 03 Highlander, which had an MSRP of almost the same, within $500. I was shocked. I am a member of AARP, (not hiding my age, LOL), so I called their ins. people, (The Hartford) and they quoted me less than I was paying before the new TCH. I then called Geico back to see what they could do, and they couldn't come near. If I remember correctly, I am saving over $600 per year with AARP over what Geico quoted me. I was very happy with Geico before this, but money talks.