Geico here too. We've made two minor collision claims (the wife, I swear!) and three glass claims over the last several years. No hassles other than making me pay the extra to get OEM Porsche glass. Our rates with them are still far better than anyone else. I compare rates each year with the other major players.

One thing that helps for us is the Porsche is not a daily driver. Sometimes the rate for my wife's Lexus has been higher than the Porsche (probably from her being the primary on that and the two accidents).

 

AAA here. I added the 5 year Repair or Replace rider on my new one for about $200/ year. So after 4+ years mine is totaled, they will pay for a new one of either same model or comparable if not available.
In FL, AAA was the most competitive when packaging homeowners and autos with maximum coverage and umbrella. We have highest credit ratings and clean driving records. I check every year and it seems to stay competitive, even tho costs increase annually.

 

Do you identify as female? If you do, that will lower your premiums.

Also "no school/no work" is another low mileage discount.

 

 

I have a very different perspective on insurance companies. I am a Plaintiff's personal injury lawyer and handle claims against all the major insurers. In my experience, an insurance company is only as good as their claims personnel and policies. All insurers are equally good at taking money for premiums. While I am sure there are differences in price, I don't really shop on price. The best insurers also tend to change over time. Companies that were good 20 years ago are often no longer good. Corporate policies change and discretion is often removed these days from adjusters and some insurers seem to have a practice of low balling on claims across the board. This practice saves them money unless the claimant is willing to sue and go all the way to court in many instances. If anyone wants to PM me, I am happy to share my thoughts on specific insurers--good and bad. Having said this, my personal coverage is with Cincinnati for my 2017 911 4S. I added this as a third vehicle on my policy and my premium increase quoted was about $1100 per year. I keep limits of 250/500 in liability and UM/UIM and a $4 Million umbrella also applicable to UM/UIM coverage. In my experience, USAA is a good company (tho perhaps not as good as they used to be) as are Amica, Nationwide, Travelers, Chubb, and others. Many of the companies that advertise on TV are companies I like less well. For example, I personally don't like what I am seeing from Allstate, GEICO, and Progressive. State Farm, while more variable, is also usually less good in my experience. Do keep in mind that property damage is a small portion of my practice other than diminished value claims and my experience is mainly regarding incidents involving injuries. While this may seem unimportant to you, do keep in mind that if you or a family member are hurt, you may well have to make a claim against your UM/UIM coverage in addition to, or in lieu of, the other person's coverage. Also, if your insurer is overly conservative in their claims handling practices, your chances of being sued by the other driver (with all the inconvenience that entails) increases as does the likelihood of having to sue to get treated fairly if you are using your UM/UIM coverage.