At the first of the year, I switched from Geico to State Farm because I was adding my fiancé to a plan and the price was right. Called geico to cancel and they gave me an ever better rate; in fact, it was the same as my previous rate by myself and included full coverage on two vehicles. The csr came back on the line with a quote and said "wow! You must have great credit!" I attribute this to MS and churning.