GEICO insurance

[LBrown59]

</font><font color="blue" class="small">( </font><font color="blueclass=small">( <font color="blue"> Same for radar detectors, they ask if you have one on their survey and if you say yes they will cancel you. Chet </font> )</font>

Thats funny..I seen an insurance adjuster the other day that had a radar detector on the dash in the van he drove. )</font>

Many if not most insurers will not insure you if you have a radar detector

 

[LBrown59]

</font><font color="blue" class="small">(

We also have been able to save another $150 a year because we dropped AAA in favor of Geico roadside which is only a few dollars add-on to the basic policy. )</font>

I had GEICO roadside service for several years untill I discovered it cost me more to use the service than it would cost me to pay the tow bill,so I dropped the roadside service.
Couldn't see paying the premium for the service and paying the tow truck both.

 

[LBrown59]

</font><font color="blue" class="small">( Farm Family" I have an estate policy and
1* 2 of my vehicles are listed as business vehicles and the rates are great,
2*but the one car is not listed as a business vehicle and it cost's twice as much to insure as the others and it is the oldest vehicle of the 3. )</font>
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1*I find this very strange as Business use has one of the highest premium rates.
2*Then change the usage of this car to business and get the lower rate.

 

[LBrown59]

Here are a few things that greatly affect insurance premiums
and can cause huge variations in insurance Quotes.


1* Miles driven
2*Vehicle usage
3*Principal Driver
4*Percent of use.

Put the wrong answer on the application for any one of these and you will get a higher quote.
Do it for all 4 and the premium really goes up.

 

[Cactus]

They won't let me have the 1 on the business policy because of my son driving it.

 

[LBrown59]

</font><font color="blue" class="small">( They won't let me have the 1 on the business policy because of my son driving it.
)</font>

=============
This is odd Vehicle usage is not detremined by the driver.

You should be able to get your son covered on any vehicle regardless of how the vehicle is used .

The only thing your son should have any affect on is the driver information .
He has nothing to do with how the vehicle is used.

This auto insurance company is the strangest one I have ever seen.

 

[Bird]

In spite of the never ending obnoxious TV commercials, not to mention billboards and junk mail, I finally decided to check on GEICO insurance premiums, and for the same coverage, they were only $19.20 a year MORE than my current AAA insurance. Of course I have annual coverage vs. Geico's 6 month policy. And that was after telling me about the great $200 plus "discounts" for antilock brakes, passive restraints, security systems, defensive driving course, no tickets, no accidents, no claims. So I guess I'll stay with AAA. Of course I don't know how AAA would be on handling a claim since I haven't had any. /forums/images/graemlins/laugh.gif

 

[WhyNot]

I have had Geico for a while now and when I switched they saved me over no lie $1600 on my truck insurance and that was with getting the best coverage possible except I decided to take a $1000 deductable. I have also just recently switched to them for my house insurance and saved $200 for a better policy. Don't know what will happen if I make a claim but then again not sure what would have happened with my old insurance company either.

 

[Bird]

Yeah, it can be a bit difficult to compare policies and premiums. Geico was just a little more on the auto policy than AAA, but I'm also getting a discount with AAA on the auto insurance because I also have my homeowner's insurance with them. If I got Geico homeowner's, maybe it would be cheaper. I know the AAA homeowner's policy cost just over $800 a year while Farmers priced it at over $1,100 a year.

 

[44trxfun]

There's a lot of direct experience in these responses and that's probably the best testimony--good or bad.

I think each state is required to rate insurance providers in their state. Check your state's official website and navigate to the Insurance Commission, or some such thing. In NY, each company has been rated both on premium cost and on customer satisfaction. Both are important, since a cheap rate is of little value if you have to fight the company tooth and nail when you make a claim or if they raise your rates after having made a claim.

Good luck!

 

[LBrown59]

deleted

 

[LBrown59]

</font><font color="blue" class="small">( I had them years ago and my one claim was handled very quickly and to my complete satisfaction. Recently, after catching my independent agent in untruths, I got a quote from GEICO and the same coverage came to $1100 a year less than the local agent. We switched back and have been pleased with the level of customer service. )</font>

Why did you leave them before?
Looks like they could have been saving you money all these years had you stuck with them.
I've never been able find auto insurance for less than GEICO.

 

[Farmwithjunk]

</font><font color="blue" class="small">( I've never been able find auto insurance for less than GEICO. )</font>

I was a Prudential customer for almost 30 years. Then they "sold out". The rules changed, the prices sky-rocketed.

I priced a few companies. Gieco ended up with my business. As I had more opportunities to price out the service, I found an even dozen companies that were CHEAPER, had better options with the policy, and were ALL with "name" companies.

I ended up with State Farm. Best price, I know the agent personally, and trust him. In the end, I saved almost $1500 a year on a BETTER coverage.

A friend owns a body shop. "Collision Center" as it's called nowdays. He handles about 75 insurance claims a month. He says stay away from Safe Auto and Gieco. At that time, I had a couple dozen cars pointed out to me that were repaired, but in storage until those two ins. co. would pay claims.

I had no problems with Gieco in 3 years. Just too expensive.

 

[BillyP]

We had GEICO for a few years then went with AIG. Saved a bundle on our insurance.

 

[Steve_Miller]

<font color="red"> They may try and use LKQ air bags in your car (I have not confirmed this). Do you think for one minute that in your right mind you would trust air bars from another wrecked vehicle to save YOUR LIFE? </font>

Don't know about your area, but up here in N.S., it's illegal to replace a damaged air bag with a used one. This is from a reputable collision expert that I know.

Steve

 

[WhyNot]

Well I have had my 1st exp with Geico as a homeowner. As posted earlier I switched my homeowner's to them. The underwriter sent out their inspector and I receive a letter in the mail recommending I repave my drive due to cracks in it. O.K. now I will admit that the drive is in not the best shape due to the tree root's growing under it but, it is in better shape than some public road's. I call Geico and explain this to them and tell them that they saved me money but not enough to repave the drive . Then they call the underwriter and they think the 1/4 inch crack's that are flush with the surface are enough to make some one trip but they will compromise if I seal the drive they will accept that. I just said ok knowing that sealing the drive isn't going to happen since I am already getting quotes from other companies but didn't wan't to tell them that just in case. I guess Geico is not really to blame but the underwriter is and I don't want't to deal with this every year.

 

[dubba]

Maybe a different underwriter in Jersey, but Geico wouldn't insure my house in NH because (gasp) I had a tractor. Where does the insanity stop?