The personal auto insurance market is one of the toughest spaces to compete in the broader insurance market. And with Berkshire Hathaway's (NYSE:BRK-B) GEICO division stealing the No. 2 spot from competitor Allstate (NYSE:ALL) in the past few weeks, it's become clear that the Gecko is doing something right. Though Allstate and Progressive (NYSE:PGR) have been promoting the new use-based insurance model, the new technology is still not standing up to GEICO's tried-and-true method.

In the video below, Motley Fool contributor Jessica Alling discusses the top reason why GEICO is scaling the auto insurance mountain and may eventually be crowned king of the hill.