I can't really complain about Amica here in Massachusetts. I have not had any claims, so I can't tell you how they'd handle it, but the rate does not suck.
As for Geico - beware. Years ago, when I was living in Florida, I was insured with Geico. Both cars got floded (yes, Hurricane), and getting the money out of them was tough. Worst of all, water got into the transmision of one of them. I called up, so they can tow it, and they said: Just drive it to the shop. OK,...I'm thinking, what do I know, I'll do what they say. Halfway, it dies on me. Now they do not want to pay for the transmission, they say I drove it with a known defect. A55holes. All I'm saying is beware of Geico.