Geico is great until you have a claim. My mother had Geico for years and then she put my father on her policy when they got married and he had a claim...dropped them straight away. I prefer having an insurance agent that I can talk to and trust so for me, Geico is not something I would be interested in. Nor is Progressive, eSurance, all those agentless carriers. Even if I have to pay a little more.
Not sure about American Family...try googling them.
Just because an insurance company denied your soldier's claim doesn't mean they had the right to do that. I would look into what Barry is saying. That makes a lot of sense to me...