Geico here. No issues. Couple of claims on older vehicles. Last incident Ineeded a tow when the car I hate to drive, died but was resurrected with a new ignitor. They called the tow company and paid, I never saw a bill,
I was told that P&C companies will change their premiums charged to adjust their risk and profit. You could look at this in a couple of ways: They want your business by charging a low premium or they want your money by charging higher premium.
A $100 difference in premium =$1200/yr;$1600 gross wage. I’d go with the cheaper company and bank the difference.
All the companies you mentioned are profit making companies. They are a Mutual, stock, or owned by a larger company.