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.

Fool contributor Jessica Alling has no position in any stocks mentioned. The Motley Fool recommends Progressive. It recommends and owns shares of Berkshire Hathaway. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.