They don't offer better deals either (as their ads claim). While their commercials are creative, they are quite creative in their "Save 15% on car insurance" statement too. I did a quick check after I moved between a couple of states in the last year. In Texas and Colorado, Geico's rates were significantly higher than other nationwide insurance companies that offered the same coverage/benefits.
You are being far too generous. Their commercials are whacked out and irritating. I wouldn't be surprised if in their next new commercial, that damn lizzard, Charro or Little Richard is in front of a chalk board running their nails down it.