Are you still paying for collision coverage? On a 20 year old vehicle, that’s probably a waste of money. If you total your car, you will only get book value (if you are lucky) from the insurance company.

You are paying to fix other people's cars. I have never had an accident, and even if I can get it cheaper than Geico, the next company would raise rates the next year. I'm paying over $1000 twice a year in DC. Used to be $460x2 before they started raising prices.
What you are paying now is a good deal.

I’ve had geico forever and a 20 year old Acura with practically no value. My premium keeps going up. It’s $92 a month. Do you really get lower rates if you switch? If I pay this much for an ancient car I imagine I’d pay a fortune on a new car. No accidents, no tickets .