Another lesson - stay away from Geico. Their entire business model is based on getting you to sign with cheap rates and then jacking them on you as soon as possible for any reason they can, like - God forbid - making a claim. The gecko is EVIL!!!

I've never heard of the "accident adjustment" surcharge, and I'm kinda surprised you got hit with it (although I guess I shouldn't be from your run-down of your trials and tribulations) - I've always heard that State Farm is a very good and honest company.

I've had nothing but good experiences with Amica - they don't constantly scan your record for speeding tickets, they don't seem to care if you have a couple of tix in your past, and they don't screw you for making a claim. I will never leave them.