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looking for feedback on geico

Old 08-21-05, 06:29 AM
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looking for feedback on geico

I'm thinking of switching from my current auto insurance company to geico. looking for feedback, especially from members who have had to file a claim with them. Thanks!
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Old 08-21-05, 06:34 AM
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Old 08-21-05, 08:24 AM
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I've had them for awhile but have never filed a claim... but then I haven't had an accident since high school.

Every 6 months my premium goes down a few dollars, so that adds up over time if you stick with them.
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Old 08-21-05, 08:28 AM
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Originally Posted by TomOpus
I've had them for awhile but have never filed a claim... but then I haven't had an accident since high school.

Every 6 months my premium goes down a few dollars, so that adds up over time if you stick with them.
Really? I always heard that they give you a low premium to get you to switch, but that it actually goes higher over time...
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Old 08-21-05, 08:44 AM
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They were always a bit more expensive than locals for me.
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Old 08-21-05, 10:26 AM
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If Only I Could Find A Lizard Offering A Low Car-Insurance Rate

I'm an experienced car owner. As such, I have what I consider an above-average knowledge of what constitutes a competitive rate for automotive insurance. The policy I have now is fair, but I could probably do better if I shopped around. Trouble is, I don't have time to page through the phone book or search for information online all day—I'm a busy professional. That's why I'm currently looking for a lizard who will explain the various policies to me and help me figure out which company has the best deal.

I feel no loyalty to my existing car-insurance provider. If a better offer were made to me by a lizard, I would have to consider it very seriously.

Don't get me wrong. I'm not interested in a lizard with a hard sales pitch. I don't want some slick, fast-talking lizard bullying me into a big commitment. I demand a refined lizard, one with class. He might even be British, or an American educated at British schools.

I don't think my request is unreasonable. When I first started thinking about switching car-insurance companies, I encountered a stoic elk who offered a full range of financial services. But an elk is just going to follow the herd. And he's warm-blooded, subject to sudden changes in climate. How do I know he's not going to migrate when the going gets tough?

I'm prepared to put my trust in a lizard. When I was young, I got my breakfast cereal on the advice of a tiger. When I made a tuna sandwich, I reached for the can endorsed by the tuna fish. There was a brief time when I got my tuna on the advice of a mermaid, until I came to the conclusion that mermaids don't exist. Later in life, a small immigrant dog advised me on matters pertaining to fast-food burritos. And today, my puffed cheese snacks come with the seal of approval of a cheetah.

I want to make it very clear that I am not interested in some kind of lizard snob. I won't lie to you: My driving record isn't perfect, and it's important to me that a lizard understand that, and not look down his nose at me just because I've been in an accident or two. I want a lizard I can relate to. One who, when he's not selling insurance, does puzzles, or goes for a drive in his convertible, or maybe just watches TV.

I've had mixed luck bowing to the wisdom of amphibians and reptiles in the past. I once switched brands of beer at the behest of a trio of frogs, who made a convincing argument that the beers the bear and the dog were offering didn't have the same rich flavor as theirs. They opened my eyes to the fact that the dog was more interested in partying than in beer itself. A couple of years after I made the switch, I lost confidence in the brand when lizards came by and complained about the frogs.

I'm not interested in a lizard's opinion about beer. That's ridiculous.

With car insurance, on the other hand, the safety of my family is on the line, so I need the counsel of a cold-blooded reptile, one who understands the hard realities of the insurance business. One who understands facts and figures and has sticky toes that are able to cling to almost any surface.
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Old 08-21-05, 02:11 PM
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I have mentioned this several times, this is a really good time to be looking around. All the major insurance companies are changing how they rate people in Auto. In the past many companies only had 4 or 5 different rate classes to put you in. I recently read where one of the major companies has as many as 150!

Also, don't forget to check with who you are with. They may have changed and it might not be wise to move for only a few $$. If you have been with the same company for a long time (years and years) and have an accident, they likely won't worry about it. If you switch and have an accident right away...they might not like that. But then some look at your overall accident record not just the time you were with them. Just some things to keep in mind.
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Old 08-21-05, 03:28 PM
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Originally Posted by fujishig
Really? I always heard that they give you a low premium to get you to switch, but that it actually goes higher over time...
All I can say is they've never ever raised their rates on me. Maybe it's because I've had the same car.
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Old 08-21-05, 03:30 PM
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lowest rates I could find in the Dallas area. Haven't had to file a claim or anything, hopefully won't have to.
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Old 08-21-05, 04:43 PM
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Originally Posted by fujishig
Really? I always heard that they give you a low premium to get you to switch, but that it actually goes higher over time...
I don't believe any State Department of Insurance allows "teaser" rates. Rates go up and down. I do suggest being careful if you are shopping around and say 10 companies have around the same $$ but then 1 is real low. Usually that means you are not comparing the same coverage, but it could also mean that others have had to raise rates do to losses, and the one low company just has not raised their rates, yet. But likely will be.

Insurance in most areas is extremely competitive. However, this recent change my most companies has brought out some differences in cost. Eventually the others will catch up, but for now it is a good time to look around.
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Old 08-21-05, 06:00 PM
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I've had Geico for years. Rates have always fallen for me and most of all this time when I saved over $200 from my previous rate. Nothing changed in my policy.

However, when I had to report a claim once, they weren't very helpful. Another car was at fault and they had insurance but only for a passenger vehicle when it was a commercial vehicle. Geico did little to help me and only offered to claim my car as a total. I wouldn't get anything for it so I didn't bother.
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Old 08-22-05, 02:55 AM
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I've been using them for years. Consistently good service - they covered the theft of my car back in 2001, and covered an accident once when I was rear-ended.
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Old 08-22-05, 06:34 AM
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I'm a satisfied GEICO customer, and have used them for eight years now.
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