Well the normal move for a Geico type direct carrier is to suck you in that first year with some savings and then start jacking you up each renewal. I can assure you your not paying the same premium you did 4 years ago if you did go the direct route. I can also assure you if your house burns to the ground that they will not help you handle the claim and give you guidance on filling out the proof of loss form or the inventory sheet nor will they go to bat for you in the case of a questionable claim that may arise.