Did you swtich to Geico

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A quick question, does Geico verify if you belong to any organizations? ie. credit unions, fraternties, etc.

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gatorkids said: <blockquote><hr>Such a joke. I applied with them for the family (yep, teen male too). <br>They were muc... (more)

DFW06 (Apr. 08, 2006 @ 3:31p) |

SallyFromMichigan said: <blockquote><hr>Which insurance company is cheaper depends a lot on your individual situation...... (more)

MyFatWhat (Apr. 08, 2006 @ 10:34p) |

DjPiLL said: <blockquote><hr>Somebody told me that you should avoid the smaller insurance companies that are not 'A' rat... (more)

tjmightymouse (May. 02, 2006 @ 6:58a) |

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yes. they then send operatives to infiltrate those organizations to get as much information on you as possible, so if you should ever decide to leave, they would blackmail you and force you to stay with them. it's all for the best though. all praise the gecco.....all praise the gecco.

They are not like they use to be. All they care about now is the number of people they can insure. They wont check unless you are trying to get an additional discount

No, they won't check. What they will do instead is wait until you file for a giant claim. Then they will search over your application with a fine tooth comb. When they find that you aren't a member of these organizations, they will deny your claim due to lying on your application. So was that little white lie worth it? It's not just GEICO, this is the way they all work.

Why go with Geico? Ameriprise is way cheaper. I switched to Ameriprise and then the next bill went up $50 so I called Geico back to get a quote and Geico was over $150 more than Ameriprise. Ameriprise is formerly American Express Insurance.

Sorry, I am unable to do a direct link to the auto quote page.

You can get a 7% discount if you are a CostCo member.

overclock said: [Q]Why go with Geico? Ameriprise is way cheaper. I switched to Ameriprise and then the next bill went up $50 so I called Geico back to get a quote and Geico was over $150 more than Ameriprise. Ameriprise is formerly American Express Insurance.

Sorry, I am unable to do a direct link to the auto quote page.

You can get a 7% discount if you are a CostCo member.

how to apply 7% discount? I am CC member...

With insurance you get what you pay for. Not with Geico, they are too expensive. Guess they have to pay for those ads.

just got quote from Ameriprise thru Costco and believe or not the price is at least 200 bucks more than Geico. I guess I have to stay with Geico and of course the quote price largely depends on where you live...

buzzhd, sorry to hear they were higher. To get the discount you just simply have to say you are a costco member. I think they ask for member number. I don't remember exactly. I was curious so I just did a geico online quote and got $480. I currently pay $358. Weird they were higher for you. That quote was for full coverage on a 1998 Ford Escort and a 1994 Volvo 940.

Geico was about $400/year cheaper than the company I was with before I switched.

Unless I was truly getting raped by my old company....

-Mike

Which insurance company is cheaper depends a lot on your individual situation...where you live, how much you drive, your car, that kind of things. Just because one company is cheaper for you doenst mean that applies to anyone else.

When I bought my car I prived Progressive, Allstate, State Farm, Farmers, Geice, Costco/AMEX (now Ameriprise), Amica, and maybe some others that I forget. Even with all the discounts (safe driver (haha), accident free, airbag, abs, multicar, professional discount, etc) both Amica and Ameriprise/Costco ended up being cheaper for me.

Farmers quote was abosolutely ridiculous 2-3X what I'm paying now and I saw in consumer reports that they are rated just about last especially with claims and satisfaction. Farmers must not have wanted business their quote was so far out of the ballpark.

There was a pamphlet at my local Costco (where they have all the "services" pamphlets like home loans, car loans, check printing, travel, etc) for the Costco/AMEX/Ameriprise Auto Insurance and there is a offer code that I entered when I bought mine. You also go through the link from Costco.com I think its under "view all" > "services" > "home and auto insurance"




SallyFromMichigan said: [Q]Which insurance company is cheaper depends a lot on your individual situation...where you live, how much you drive, your car, that kind of things. Just because one company is cheaper for you doenst mean that applies to anyone else.

I know that. But everyone else that I have referred to Ameriprise has walked away with money in their pocket. That is why I was surprised. Ameriprise also doesn't like accidents and tickets. I don't understand the reason for your comment at all. Have you tried Ameriprise?

Such a joke. I applied with them for the family (yep, teen male too).
They were much lower than State Farm and I submitted the application.
No tickets and no accidents for anyone in the house....EVER.
I get a call that I have a ticket and underwriting now has to charge me
$500 more than the quote. HELLO? I do not have a ticket. They read me the ticket.
It's a PARKING TICKET. "It's still a ticket. It doesn't matter that it's not a moving
violation. We still have to rate you for it."
I got a copy of the ticket from the town as well as a letter from the Judge informing
Geico it was indeed their town's PARKING TICKET and not a moving violation at all!
Geico insisted they had to rate the policy $500 more.
I insisted they were losers.
I'll stick with State Farm and my higher rates for now.

haha $500 insurance increase for a parking ticket? thats crazy.

geico was about 500 more expensive for my insurance.

Ameriprise is about $200/yr less for me. However without my good student discount, geico would be cheaper though.

We use Liberty Mutual and have never had any problems. They also have great discount programs through different associations (alumni, etc.) We switched from State Farm and that year we saved (including home owners) more than $1000 (state farm sucks when it comes to renewals-our homeowners doubled one year and they paid a claim on our auto insurance that should have been paid by another car's insurance without consulting us).
There are definate advantages to insuring your house/apartment and cars with the same company!

Liberty Mutual

We just dumped Liberty Mutual for AAA. Liberty Mutual was almost twice as expensive even with group discount and combined policy discounts. When I compared quotes, I think Geico was even worse than LM.

handyguy said: [Q]With insurance you get what you pay for. Not with Geico, they are too expensive. Guess they have to pay for those ads.

every year (not 6 months) before renewing my policy with Gecco, i check the other major companies, gecco comes out cheaper every year by atleast $100.

I used to be with Liberty Mutual and they used to be the cheapest. But every year they kept increasing my rates by $50 or so. One year they increased it by a whopping $600 for no reason. We had perfect driving records and nothing had changed. The only reason they would give was they had moved us to a different tier.

I then moved to NJM (NJRE) who were cheaper and have not seen any increases over the years.

I know this won't apply to everyone... but I've got USAA, and have been very happy with their service... and price. I saved around 400-500/yr compared to State Farm. Haven't compared to AMEX/Costco insurance yet...

/edit/ It was also much cheaper than Nationwide, even with my discount since I have homeowners insurance with them.

Just quoted with Ameriprise-they will not insure me due to "Driver history". I have 1 speeding ticket (12 mph over posted speed), from 2 years ago. Picky picky!!!

I did the whole, "Geico, Progressive, Etc..." thing when I bought my house thinking i'd save money---ended up thath i almost did it until i read the fine print (on 3 out of 4) and noticed that the car quote was only for 6 months and my AAA was for a year!

I get some huge discounts from AAA, the people are friendly and my agent remembers my name. I'm not one that puts service above price, but when price is less and service is better i really didnt have a choice.

Sorry if i'm old fashioned (at 25), but i like the big companies when it comes to my house and car- Plus, if you want a great quote try having AAA and then getting a quote from Farmers or State farm (or vice versa)---those companies LOVE taking clients from each other and will work to get you a great quote.

in any event, the best thing to do is to ask for a DISCOUNTS brochure from major companies and see where you can get discounts....Some that I recieve are: Good Student, Multi-Policy, DeadBolts on the house, Alarm (on both), Newer Home Discount, Fire Retardant Roof, No Dog, and a few others (plus if my records clean it goes down around 7-11% each year).

Ed.


dandan123 said: [Q]I used to be with Liberty Mutual and they used to be the cheapest. But every year they kept increasing my rates by $50 or so. One year they increased it by a whopping $600 for no reason. We had perfect driving records and nothing had changed. The only reason they would give was they had moved us to a different tier.

I then moved to NJM (NJRE) who were cheaper and have not seen any increases over the years.

funny, I just moved from NJRE to Libery a few months ago. NJRE's customer service is gettting worse and worse, but their rates won't go up if you stay with them. I had them for 3 years.

I love you guys...

I wasn't aware of the Costco discount, so I called Ameriprise (been with them a couple years) and they lowered my rate by over $100. I also moved and they lowered it another $50...so annual savings is around $300...not too shabby for a phone call. Thanks folks!

Geico was about $400 more @ year than my current State Farm.

mikekosten said: [Q]I love you guys...

I wasn't aware of the Costco discount, so I called Ameriprise (been with them a couple years) and they lowered my rate by over $100. I also moved and they lowered it another $50...so annual savings is around $300...not too shabby for a phone call. Thanks folks!

These types of things make me happy to be on FW!

Fuuny thing is my wife thinks the exact same way. A friend also have Costco/Amerprise insurance. He gets into a car accident. The claim process is great. However, my wife saw him have to go through and did things by themslves and no agent is helping him and she didn't like it. So, I got a quote from Framers. To my suprise, Farmes beat Costo/Amerprise by $20/per 6 months for the same coverage. We are switching to Farmers.

HigherEd said: [Q]I did the whole, "Geico, Progressive, Etc..." thing when I bought my house thinking i'd save money---ended up thath i almost did it until i read the fine print (on 3 out of 4) and noticed that the car quote was only for 6 months and my AAA was for a year!

I get some huge discounts from AAA, the people are friendly and my agent remembers my name. I'm not one that puts service above price, but when price is less and service is better i really didnt have a choice.

Sorry if i'm old fashioned (at 25), but i like the big companies when it comes to my house and car- Plus, if you want a great quote try having AAA and then getting a quote from Farmers or State farm (or vice versa)---those companies LOVE taking clients from each other and will work to get you a great quote.

in any event, the best thing to do is to ask for a DISCOUNTS brochure from major companies and see where you can get discounts....Some that I recieve are: Good Student, Multi-Policy, DeadBolts on the house, Alarm (on both), Newer Home Discount, Fire Retardant Roof, No Dog, and a few others (plus if my records clean it goes down around 7-11% each year).

Ed.

Yes you were. And yes are probably still are. <img src="i/expressions/face-icon-small-wink.gif" border=0>

phlack said: [Q]Geico was about $400/year cheaper than the company I was with before I switched.

Unless I was truly getting raped by my old company....

-Mike

PhDeez said: [Q]I know this won't apply to everyone... but I've got USAA, and have been very happy with their service... and price. I saved around 400-500/yr compared to State Farm. Haven't compared to AMEX/Costco insurance yet...

/edit/ It was also much cheaper than Nationwide, even with my discount since I have homeowners insurance with them.

I has USAA and was very happy until I needed to get off my parent's policy (I was 23 at the time) and then the rates weren't soo good. So I went to Erie who was lower then and became even lower when I turned 24 (You get adult rates at 24 with Erie versus 25 with most other companies). I've been very happy with Erie ever since.

Last year I called USAA to get a quote (I'm 27 now) and their rates for my two cars and house were about the same as Erie except they won't insure my motorcycle, so I decided to keep everything together at Erie.

I've had foreign friends with no US driving record try Erie and the quotes were much higher than Geico or State Farm, so it seems Erie is good for people with clean histories. There are too many variable to say one company is cheaper than another.

I've been with Esurance for the last 4 years. The rate has only gone down once and only after I made them review an error in their billing. The last straw came when I moved to a bigger place 5 miles away. Esurance wanted to increase my premium by $100 to $740. WTF?! Geico quoted $670 for six months. Ameriprise quoted me $640. Liberty Mutual wanted $1100! I just signed with Farmers for $540. If I add homeowners insurance, then it goes down another $100. The agent said that next year my premium will drop to $515. We'll see about that.

I got quotes from Allstate, Geico, and State Farm. I found Allstate to be the cheapest, and State Farm to be the most expensive. Allstate does like to make it as their selling point that you're working with an agent rather than a random person on the phone, it's annoying that they harp on that point, but actually there is some truth to it. When I was trying to set up renter's, auto, etc I was transfered about 5x, not to mention waiting on hold. No one could answer all my questions. If Geico were cheaper I'd probably have gone with them, but I don't know if they'd be worth it, if it was that much hassle to set things up!

Somebody told me that you should avoid the smaller insurance companies that are not 'A' rated. I have GEICO and I know they aren't the cheapest. I got a quote from Response insurance that was 100-200 cheaper for the year.

But GEICO did take care of me when my wife totalled a brand new Jeep last year. Their payoff was very nice considering the truck was only four months old. Didn't even have to get the gap insurance involved. Plus my wife was deemed 50% at fault for this accident... but my rates didn't go up because I had accident forgiveness on my plan.


Also.... GEICO has NEVER raised my rates on any other policy renewal. Had them for 9 years now. Its reasons like this why I am a little reluctant to change carriers (even if it means saving a couple bux).

DjPill, glad to find someone is happy with Geico. We just started with them in January and after reading some of the posts here, thought I would have to go shopping again at renewal time. One thing has me puzzled, the OP said one had to be a member of some organization in order to be insured by Geico and one of the other posters seem to back this up. But their ads do not have that stipulation. Is this your situation, that you are member of an organization authorized by Geico, or not?

You can join NMFA and get a decent discount (like $60-70 a year). I think yearly membership is like $25 buks or something along those lines (it pays for itself).

GEICO did ask me for a membership number when I told them I was a member. Not sure if they verified it or not. You could also probably just not renew the NMFA membership after the 1st year... and I am sure GEICO will never find out and continue to give you the discount. But I have no problem giving NMFA their dues since it does go to the militarys families.


But you can still be plenty insured by GEICO if you don't belong to any "group". I don't know who said you have to be a member of group XXXXXX to be insured by GEICO. Thats just not true.


The original poster of this thread, "TwoMix" and "Thrifty Spender" mentioned about belonging to some organizations and also that if you had a claim, they could deny it if they find you are not a member of one of their authorized organization. The reason I applied for insurance with them was that their ad implied that they no longer required new policyholders to be an active member of the Armed Forces and they were a little bit cheaper than what my then current policy.

masamfigblu said: [Q]The original poster of this thread, "TwoMix" and "Thrifty Spender" mentioned about belonging to some organizations and also that if you had a claim, they could deny it if they find you are not a member of one of their authorized organization. The reason I applied for insurance with them was that their ad implied that they no longer required new policyholders to be an active member of the Armed Forces and they were a little bit cheaper than what my then current policy.



GEICO hasn't required you be a member of the armed forces for YEARS. Anyone can get a policy with them.

It is possible they could drop you if you lie and tell them you are members of organizations that you really aren't. I told them I belong to NMFA... and I really do so there are no issues. <img src="i/expressions/face-icon-small-happy.gif" border=0>

Masamfigblu: Anyone can get Geico insurance. What people are talking about when they say "organizations" and verifying membership and such is because Geico gives discounts to certain groups or professions. They are wondering if you can say you belong to one of the organizations below that qualify for the discount and get the discount w/o verification that they belong to one of them.

I was trying to find the list and couldn't find it, so I decided to get a quote for the Lexus IS350 that my wife wants to get and its on page 2 after you select get an auto insurance quote, enter your zip code, and answer the questions on page 1.

I'm not sure if this is a complete list, but heres the organizations list I got (pffft no USC <img src="i/expressions/face-icon-small-frown.gif" border=0>:

Alumni Associations

Adams State College Alumni Association
American University Alumni Association
Barry University Alumni Association
Bowie State University National Alumni Association
Bucknell University Alumni Association
California State University Fullerton Alumni
Cleveland State University Alumni Association
Colorado State University Pueblo Alumni Association
Embry-Riddle Aeronautical University
Florida Institute of Technology Alumni Association
Florida International University
Fort Hays State University Alumni Association
George Mason University Alumni Association
Golden Gate University Alumni Association
Hawaii Pacific University
Humboldt State University Alumni Association
James Madison University Alumni Association
Life Chiropractic College West Alumni Association
Life University Alumni Association
Marymount University Alumni Association
Montclair State University
New Jersey City University
Norfolk State University Alumni Association
Northern Illinois University Alumni Association
Old Dominion University Alumni Association
Rowan University Alumni Association
Saint Leo Alumni Association
Salisbury University Alumni Association
Stanford Alumni Association
State University of New York at Buffalo Alumni Association
The College of New Jersey Alumni Association
Towson University Alumni Association
Tuskegee University National Alumni Association
University of Baltimore Alumni Association
Univeristy of California - Irvine Alumni Association
University of California - Santa Barbara Alumni Association
University of California - San Diego Alumni Association
University of California - San Francisco Alumni Association
University of California - Riverside Alumni Association
University of Colorado at Denver and Health Sciences Center Alumni
University of Florida Alumni Association
University of Nebraska Alumni Association
University of Nevada Reno Alumni Association Inc.
University of Maryland College Park Alumni Association
University of Maryland University College Alumni Association
University of North Carolina - Wilmington
University of North Florida Alumni Association
Univeristy of South Alabama National Alumni Association
University of West Florida National Alumni Association
University of Wisconsin-Milwaukee Alumni Association
William and Mary Alumni Association

Credit Unions

ABNB Federal Credit Union
America's Credit Union (formerly Ft. Lewis FCU)
Barksdale Federal Credit Union
Cannon Federal Credit Union
Cedar Point Federal Credit Union
First Florida Credit Union
Fort Belvior Federal Credit Union
GEICO Federal Credit Union
Government Employees Credit Union of Florida
Naval Surface Warfare Center Federal Credit Union
Navy Federal Credit Union
Northern Star Credit Union
NRL Federal Credit Union
Pen Air Federal Credit Union
Pentagon Federal Credit Union
Service Credit Union
Virginia Credit Union
VyStar Credit Union

Fraternal Organizations and Honor Societies

Alpha Delta Kappa
Alpha Kappa Psi
Alpha Phi Omega
Alpha Zeta
Beta Gamma Sigma
Delta Kappa Epsilon
Delta Sigma Pi
Delta Theta Phi
Golden Key International Honour Society
Phi Alpha Delta
Phi Delta Kappa
Phi Delta Phi
Phi Sigma Pi National Honor Fraternity
Pi Sigma Epsilon
Pi Lamba Theta
Sigma Xi, The Scientific Research Society
Theta Tau Professional Engineering Fraternity

Organizations for Members of the Military

Air Force Association
Air Force Sergeants Association
Association of The US Army
Fleet Reserve Association
Marine Corps League
National Association of Retired Federal Employees
National Infantry Association
National Military Family Assoc
US Coast Guard Chief Petty Officers Association
United States Warrant Officers Association
U.S. Naval Institute

Accounting

California Society of Certified Public Accountants
Institute of Internal Auditors
National Society of Accountants
New York State Society of Certified Public Accountants
Virginia Society of Certified Public Accountants

Business and Management

American Association of Family & Consumer Sciences
American Business Women's Association
American Library Association
American Society for Training and Development
Association of American Geographers
Association of Information Technology Professionals
Beta Gamma Sigma
Classification and Compensation Society
Independent Telecommunications Pioneers' Association
Institute of Internal Auditors
International Association of Administrative Professionals
Instrumentation Systems and Automation Society
International Association of Workforce Professionals
International Society for Performance
National Air Traffic Controllers Association
National Association for Female Executives
National Association of Credit Management
National Athletic Trainer Association
National Contract Management Association
National Council of Social Security Management Association
National Grants Management Association
National Management Association
National Society of Collegiate Scholars Organization of American Historians
Professional Managers Association
Sales and Marketing Executives International
Senior Executives Association
Society of Professional Journalists
Women in Technology International

Berkshire Hathaway

Acme Building Brands
Adalet
Ben Bridge Jeweler
Benjamin Moore & Company
Berkshire Hathaway - Home Office Omaha
Berkshire Hathaway Group
Berkshire Hathaway Shareholder
BHHC-Atlanta
Borsheim's
Buffalo News
CTB, Inc.
Carefree
Central States Indemnity Company of Omaha
Clayton Homes
Continental Divide Insurance Company
Cort Business Services
Cypress Insurance Company
Dexter Shoe Company
Fechheimer Brothers Company
FlightSafety International Inc.
France
Fruit of the Loom
Garan, Inc.
GEICO Associates
General Re - New England Asset Management Inc.
General Re Corporation
General Re Services Corporation
General Reinsurance Corporation
Halex
H. H. Brown Shoe Company, Inc.
Helzberg Diamond Shops Inc.
Homemakers Furniture
Homeservices.com, Inc.
Homestate Companies
International Dairy Queen
Johns Manville
Jordan's Furniture
Justin Brands
Kansas Bankers Surety Company
Kingston
Kirby
Larson-Juhl US LLC
Lowell Shoe Company
McLane Company
Meriam
MidAmerican Energy Holdings Company
Mitek Incorporated
National Indemnity Company
National Reinsurance Corporation
Nebraska Furniture Mart, Inc.
NetJets
Northland
Oak River Insurance Company
Pampered Chef
Powerwinch
Precision Steel Products
Quikut
R. C. Willey Home Furnishings
Redwood Fire and Casualty
Scot Labs
Scott Fetzer Company
Scott Fetzer Financial Group
Scottcare
See's Candies
Shaw Industries
Stahl
Star Furniture
United States Liability Insurance Group
Wayne Combustion Systems
Wayne Water Systems
Wesco Financial Corporation
Western Enterprise
Western Plastics
World Book
XTRA Corporation

Education and Educators

American Alliance for Health, Phys. Ed., Recreation and Dance
American Association Collegiate Registrars & Admissions Officers
American Association for Adult and Continuing Education
American Association of Community Colleges
American Association of School Administrators
American Association of School Personnel Administrators
American Association of Teachers of German
American Association of University Administrators
American Association of University Women
American College Personnel Association
American Educational Research Association
American Library Association
American Montessori Society
American Public Health Association
American Technical Education Association
Association for Career and Technical Education
Association for Childhood Education International
Assoc. for Ed. and Rehab. of the Blind & Visually Impaired
Association for Educational Communication and Technology
Association for Supervision and Curriculum Development
Association for Theatre in Higher Education
Association of American Educators
Association of Christian Schools International
Association of Montessori International
Association of School Business Officials International
Association of Teacher Educators
Christian Educators Association International
Convention of American Instructors of The Deaf
Correctional Education Association
Delta Kappa Epsilon
Fairfax Education Association
International Society for Technology in Education
International Technology Education Association
Kappa Delta Phi
Missouri State Teachers Association
Montgomery County Education Association
Music Educators National Conference
National Art Education Association
National Association for Education of Young Children
National Association of Agricultural Educators
National Association of Biology Teachers
National Association of School Psychologists
National Athletic Trainers' Association
National Business Education Association
National Catholic Educational Association
National Community Education Association
National Council for Geographic Education
National Council for The Social Studies
National Council of Teachers of English
National Council of Teachers of Math
National Middle School Association
National School Public Relations Association
National Science Teachers Association
National Society of Collegiate Scholars
Natl. Association of Educational Office Professionals
Natl. Association of Elementary School Principals
Natl. Association of Pupil Services Administrators
Natl. Association of Student Personnel Administrators
North American Association for Environmental Education
Organization of American Historians
Phi Mu Alpha Sinfonia
Prince George's County Educators' Association
Prince William Education Association
Society for Research in Child Development
School Nutrition Association
Teachers Association of Anne Arundel County

Engineers and Architects

American Society of Civil Engineers
Association of Energy Engineers
National Society of Black Engineers
National Society of Professional Engineers
Society of Manufacturing Engineers
Society of Women Engineers

Government Employees

Classification and Compensation Society
Federal Managers Association
Federal Physicians Association
National Air Traffic Controllers Association
National Association of Retired Federal Employees
National Association of ASCS County Employees
National Council of Social Security Management Association
National Federation of Federal Employees
National Institutes of Health [NIH] Recreation and Welfare
National League of Postmasters
Org. of Professional Employees of the US Dept. of Agriculture
Patent Office Professional Association
Professional Managers Association
Public Employees Roundtable

Members of the Bar and Law Enforcement

Colorado Bar Association
District of Columbia Bar
Florida Bar
Illinois State Bar Association
International Association of Chiefs of Police
National Association of Assistant US Attorneys
National Association of Criminal Defense Lawyers
State Bar of Arizona
Tennessee Bar Association

Health Care, Medicine, and Therapy

American Academy of Audiology
American Academy of Pediatrics
American Association for Respiratory Care
American Association of Women Dentists
American Counseling Association
American Dental Hygienists' Association
American Occupational Therapy Association
American Osteopathic Association
American Pharmaceutical Association
American Physical Society
American Physical Therapy Association
Healthcare Financial Management Association
Medical Society of DC
Medeon
National Athletic Trainers' Association
National Community Pharmacists Association
Society for Research in Child Development

Science and Scientists

American Association for The Advancement of Science
American Association of Family & Consumer Sciences
American Institute of Biological Sciences
American Society for Cell Biology
American Society for Clinical Laboratory Science
American Society for Microbiology
American Society of Clinical Pathology
Sigma Xi, The Scientific Research Society

Student Organizations

American Association of University Women
American Medical Student Association
American Student Dental Association
National Association of Graduate Professional Students
Student Osteopathic Medicine Association

Other Partners

American Mensa
Career College Association
Council for Exceptional Children
Independent Telecommunications Pioneers Association
International Reading Association
Investors Alliance
National Association of Thrift Savings Plan Participants
National Peace Corps Association
Society of American Foresters

Skipping 5 Messages...
DjPiLL said: [Q]Somebody told me that you should avoid the smaller insurance companies that are not 'A' rated. I have GEICO and I know they aren't the cheapest. I got a quote from Response insurance that was 100-200 cheaper for the year.

But GEICO did take care of me when my wife totalled a brand new Jeep last year. Their payoff was very nice considering the truck was only four months old. Didn't even have to get the gap insurance involved. Plus my wife was deemed 50% at fault for this accident... but my rates didn't go up because I had accident forgiveness on my plan.


Also.... GEICO has NEVER raised my rates on any other policy renewal. Had them for 9 years now. Its reasons like this why I am a little reluctant to change carriers (even if it means saving a couple bux).

I, too, am happy with Geico. I was rear ended by a semi truck whose company then declared bankruptcy and wouldn't pay the medical bills. After everything was said and done, my underinsured motorist claim picked everything up without hassle. Progressive, however, is another story. My other vehicle was hit by a couple deer. (It was parked in the driveway when a couple deer ran into it for over 1500 woth of damage. I had to fight with progressive to get it paid and they wanted to raise my rates. No one was even in the car at the time.

On a side note, when getting quotes, are people requesting full torte or limited. I will always carry full torte on my vehicles. I was lucky that the semi was owned by a trucking company and did not fall under the torte guidelines.



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