I recently switched over to Geico Automobile Insurance. My monthly payments dropped $100 a month for the exact same coverage I was receiving from another automobile insurance company. Our deductibles are low $200 and we also included towing and rental car.
Geico offers tons of discounts, some we received include multiple drivers, airbags, driver education course.
Customer service is extremely easy to get ahold of. Customer service representatives are avaiable 24 hours a day/7 days a week by telephone, you can access your account online as well at anytime.
As far as payments, you can pay your full premium or by the month. They can draft your account or you can go online and pay monthly.
I am highly impressed with Geico and wished I would have switched over sooner.