I've been shopping around for awhile, simply because Progressive started to fleece me after a little one car accident I had on an icy road in Feb of '19. The best quote I've gotten is from GEICO. Now, the kicker is I don't have a GEICO insurance agent anywhere remotely close to Dubuque, where I live. How big of a deal are we talking about here? My Dad and Father in Law both think I should shop local for car insurance, talk to my insurance agent face to face etc. Is this some old fogey, boomer mind set or not? When I suggested it was a generational difference to my Dad (I got the GEICO quote online, obviously, and have only spoken to one of their agents over the phone and email) he told me it was simply a ME and HIM difference. Lastly, the GEICO quote matches roughly what Progressive had me at coverage wise. The wife's policy through Farm Bureau has a little bit higher coverage, but also a higher deductible. But maybe her coverage is too much, or maybe mine isn't enough. What is an easy way to tell?