How Can Geico Beat Progressive by Almost 40%?!?!?

I use a local agent at an insurance place that is a friend of mine for my auto insurance. Been paying $139/month for about 2 years for Progressive and figured with my clean record I was paying to much so...... i went online to Geico, got a quote for $87/month. Thought it to good to be true so I called Geico AND my local agent and made sure I had the same exact coverage (ie:collison, PIP, medical, etc). My local hometown agent knew he was beat. How is that possible?
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