Next (throwing caution to the wind) I decided to Give The
So, I increased the collision deductible (since I don't believe in having auto accidents, anyway) and raised the limits on the Personal Injury Liability. Now, my premium is more than $100 less every 6 months. Assuming no more than one collision claim every 2.5 years, I'm better off.
Geico has an A++ financial rating. While there are horror stories with all insurance companies, my feeling is that if you stick with one of the majors, they're all pretty much the same.
Potential downside? I had my auto, homeowners and umbrella policies with one company, and got a discount. Now, we'll see if my other premiums rise. If so, I may be shopping those, too.