When it comes to buying car insurance online, there are two main players: GEICO and Progressive. You’ve seen the cute gecko commercials and Progressive’s insurance super market commercials. Which online car insurance company should you insure your vehicles with?  That depends.

Both GEICO and Progressive are solid financially, with GEICO having the backing of Berkshire Hathaway and the Oracle of Omaha, Warren Buffet.

Progressive Insurance has some changes coming to their car insurance policies that may lower your car insurance bill. Drivers will now be rated by averaging the driver risk across all the vehicles on your policy rather than on a specific vehicle. The changes include:

Household Averaging Driver Assignment – This change means drivers are averaged across your vehicles instead of rating a specific driver on a specific vehicle.

I thought I’d write a bit about an experience I had with Progressive car insurance. Keep in mind that I’m an independent insurance agent and I can insure my family’s vehicles with any of about 15 different insurance companies. I chose to insure my cars with Progressive, primarily because their rates were very competitive.