# Geico? You are lyin' ass dogs! **URL:** \ **Category:** The BBQ Pit\ **Created:** [May 15, 2003, 7:10am UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391 "2003-05-15T07:10:47Z")\ **Posts on this page:** 9\ **Page:** 4
**Author:** ![GingerOfTheNorth](https://avatars.discourse-cdn.com/v4/letter/g/cdc98d/32.png) [@GingerOfTheNorth](https://boards.straightdope.com/u/GingerOfTheNorth)\ **Post date:** [May 16, 2003, 1:23pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/61 "2003-05-16T13:23:58Z")
> [@](#): > > \*Originally posted by Geobabe \* > \*\*She must still be thinking in Canadian dollars. \*\* Nope, Dave told me $150 a month, then later said it was paid 8 months of the year, not twelve. Living in an urban area such as this, in Canada, I would expect to pay about $1000 a year per vehicle. Please bear in mind that I know very well the rates at home but don’t know anything about them here, having been an insurance broker in Canada for 13 years. We won’t be switching for a couple of bucks a year because of the absolutely excellent service we received. ---
**Author:** ![snac](https://avatars.discourse-cdn.com/v4/letter/s/90db22/32.png) [@snac](https://boards.straightdope.com/u/snac)\ **Post date:** [May 16, 2003, 10:47pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/62 "2003-05-16T22:47:46Z")
Ah, GEICO! Years ago, having recently purchased my first car, I priced insurance policies and went with an independent agent who quoted me the lowest rate; I forget what the company was, but it was about $516 per year back then. Still seemed like a lot, so a year later when GEICO came calling, I said, what the hell, let’s get a quote. And when GEICO came back with a quote for reasonable savings, I don’t know, approx. $400 a year, I said, Screw the other folks, I’m switching. So I did. And two weeks later, after informing te other company that I had dropped coverage, I received a bill from GEICO. For, I don’t know, approx. $750 a year. WHAT THE FUCK? I got onto the phone with GEICO, pronto. Oh, they said. We’re sorry. We gave you the wrong quote. We thought you lived someplace else. (The address was clear enough. I don’t really believe that was the problem.) For years, they continued to send me solicitations, and I would put them back into the postage paid envelope and mail 'em back to them. I don’t do that any more, but I would NEVER buy insurance from them. ---
**Author:** ![Oy\_Vey](https://avatars.discourse-cdn.com/v4/letter/o/dbc845/32.png) [@Oy\_Vey](https://boards.straightdope.com/u/Oy_Vey)\ **Post date:** [July 6, 2003, 10:31pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/63 "2003-07-06T22:31:00Z")
> [@](#): > > \*Originally posted by spooje \* > \*\*Update: > > **Screwed** Maryland, Michigan, Florida, California > > **not yet Screwed** North Carolina, Illinois, Texas \*\* They wanted 33% more on an '86 Bonneville than Allstate or Progressive with a clean record in TX. ---
**Author:** ![Little\_Plastic\_Ninja](https://avatars.discourse-cdn.com/v4/letter/l/f07891/32.png) [@Little\_Plastic\_Ninja](https://boards.straightdope.com/u/Little_Plastic_Ninja)\ **Post date:** [July 6, 2003, 11:29pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/64 "2003-07-06T23:29:22Z")
I don’t have a clean driving record per se, but there’s not a spot on it since November 1999, which is pretty good. I got dropped from USAA (well, I became a restricted user on my parents’ insurance) and, when I got a car again, I went with Geico. Sure, I paid out the nose, but they reduced my rates after a year. So this week I discovered that I was going to be able to afford a new car. I researched new cars and decided I wanted a Ford Focus, a Hyundai Accent, or a Saturn Ion. I called up Geico with the car types and got quoted a minimum of $1020 for 6 months. Maximum was around $1300. So I called USAA. I’m no longer a dependent, being 23 and out of college, but I’m still in their database. They looked at my driving record, talked to their underwriters, and offered me a MUCH lower price. Today I’m driving a 2003 Ford Focus (beautiful navy blue color, it’s a wonderful little car). I’m switching to USAA as soon as the paperwork is finalized – for $834 for 6 months. Full coverage, towing, rental car, the works. So they will let you in later if you cancel your coverage. FYI. ---
**Author:** ![Airman\_Doors\_USAF](https://avatars.discourse-cdn.com/v4/letter/a/e36b37/32.png) [@Airman\_Doors\_USAF](https://boards.straightdope.com/u/Airman_Doors_USAF)\ **Post date:** [July 6, 2003, 11:36pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/65 "2003-07-06T23:36:34Z")
Geico wanted 4 times what Progressive did when I priced them. That would have made my total bill about $5,000 a year in Pennsylvania. I loudly laughed directly into the phone and told the guy that he was out of his fuckin’ mind. Yet another state where Geico sucks. ---
**Author:** ![Tuckerfan](https://avatars.discourse-cdn.com/v4/letter/t/eada6e/32.png) [@Tuckerfan](https://boards.straightdope.com/u/Tuckerfan)\ **Post date:** [July 6, 2003, 11:55pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/66 "2003-07-06T23:55:55Z")
A friend of mine called Geico and found out that he could save 15%, but that he’d also be getting a lot less coverage for his money. When he mentioned this to them, they said, “But sir, you’re over insured!” He laughed, hung up and stayed with State Farm. ---
**Author:** ![Blown\_Injected](https://avatars.discourse-cdn.com/v4/letter/b/a87d85/32.png) [@Blown\_Injected](https://boards.straightdope.com/u/Blown_Injected)\ **Post date:** [July 7, 2003, 5:58am UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/67 "2003-07-07T05:58:27Z")
Two of my friends were screwed by Geico. One was hit by a Geico insured person, the other wrecked his car and Geico did not pay enough to cover what he owed on the 1.5 yo car. When I called they were WAY higher than Allstate. At one time they would not even insure a sports car like the one the damn lizard drives in the commercial. They also tried to keep the 55 mph limit. ---
**Author:** ![JerH](https://avatars.discourse-cdn.com/v4/letter/j/bb73d2/32.png) [@JerH](https://boards.straightdope.com/u/JerH)\ **Post date:** [July 7, 2003, 3:35pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/68 "2003-07-07T15:35:32Z")
I’m a bit of a high risk driver (a couple accidents in my past, lotsa damage to the cars but none to the drivers). Last year Progressive decided to raise my rate by about 1/3, which I thought was odd because I hadn’t had any tickets or accidents or anything since well before my previous renewal. I went to Geico and the rate they gave me was a bit less than I’d been paying Progressive before their rate increase. So they aren’t universally horrid. ---
**Author:** ![ataraxy22](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ataraxy22/32/307_2.png) [@ataraxy22](https://boards.straightdope.com/u/ataraxy22)\ **Post date:** [July 7, 2003, 6:16pm UTC](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391/69 "2003-07-07T18:16:43Z")
I’m getting kind of amused by this thread, since I have been dealing with the 3 insurance companies most mentioned in this thread a lot lately. Last weekend I was rear-ended by a person with USAA insurance, I have GEICO, and I was pushed into a car who’s owner was insured through Progressive. Progressive wanted to record the phone discussions. GEICO was supportive, but didn’t want to get directly involved unless I planned to process the claim through them and the subrogate USAA to cover expenses. USAA has been so-so. I’m not using their preferred car rental company (not possible) so I have to pay out of pocket and wait for reimbursement. They should have been more helpful here, in my opinion. [Previous page](https://boards.straightdope.com/t/geico-you-are-lyin-ass-dogs/175391.md?page=3)