<prompt> Human: Ive been accidentviolation free for 3.5 years, and my only major violation fell off the 5 year mark last month. However, my car insurance policy premium has stayed about the same over the last couple years, only going down 3 a month for my June-December renewal.Geico refuses to match a competitors premium Progressive, 350 less, but they do have the best customer service and they claim that Progressive is only giving me a new business rate that will go up after 6 months. Thoughts? Im thinking I switch to Progressive then come back to Geico if Progressive does indeed raise rates after first 6 months.  <response>: I would do the same. Ive never been loyal to an insurance company. 