Input Please

Do any of you, my devoted Cake Eater readers, have Geico car insurance?

I thought we were getting soaked by current car insurance company, and since we're up for renewal of the end of the month I thought I'd check out the competition, to see if we could do better.  Turns out I was right about getting soaked, because at the rate my current insurance company is charging, I've just been drowned by the Pacific Ocean.  Geico had the best quote by far, but because I'm suspicious of really good prices---the rate I was quoted was less than half of what we're paying now, for even better coverage than we have now---I'm assuming that there has to be a catch.  So, if anyone out there is a current or former Geico customer and would like to throw them either a bouquet or a brickbat, feel free to have at it.

Thanks in advance.