gieco and progressive are the best.. but for some reason they raised my premium after one sppeding ticket as well..and i switched to AAA the lasgets insurance provider in the states. see the point here is insurance company have their own set of rules while adjusting the premium so its always wise to shop around.. you would definately get good deals .. and lower then AAA. i've been both with geico and progressive their costumer service is excellent they take quick care of your claims and take care of you after that.. i'd say shop around.. you would get the best deal.