I am in the same situation... however I am very disturbed by my recent shopping for insurance... Right now, Geico covers me liability only for $430... (100/300/50)... if I ask for full coverage, my rate will go up to $560. HOWEVER, if I am not Geico customer and wants their full coverage insurance, my rate drops to $331... go figure.

I am in process of dumping Geico, the other insurance is covering me (500/500/100) and full coverage for $433... the same price I am paying for liability only. I have tried up and down with Geico and they won't budge.

The moral of the story is shop hard and don't forget regular insurance like Allstate, State Farm and others who are brick and mortars.