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I've had Geico for about 15 years. Exactly the same experience as Moses, very good customer service, no problems on any claim we've ever had, even though some of the incidents were pretty embarrassing to tell them about. No increase in premiums, prompt payment, top-quality shops and materials.
Geico's "bad" reputation is probably because they weed out the bad apples, in order to keep rates low for everyone. People who try to commit fraud, people who have frequent accidents, etc. But we had one year with 3 claims, and they lost money on us that year for sure, and they didn't even raise an eyebrow.
Still, in your case it sounds like you're comparing apples to oranges. Is it $900 less with Geico, for the same umbrella coverage?
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