Especially since you live in the suburbs, you completely missed the advantage of talking face to face to a State Farm (or other) insurance agent. My SF agent and her staff know me when I walk through the door or call on the phone (the agent calls me "sweetie" -- nice for an old guy to hear), they do everything in their powers to get me the lowest rates, and have never failed to solve any issues quickly and thoroughly. That personal touch is HUGE, and something I never had when I used GEICO and was known only as a number in their computer.