The TRUTH about GEICO
Written: Oct 28 '99 (Updated Oct 28 '99)
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Product Rating:
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Pros: cheap, good web-site, good discounts
Cons: none
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| ptiemann's Full Review: GEICO Direct |
Hi,
when I came to the USA in 1996 and purchased a car, I had the problem that my driving insurance according to DMV was 0 and my rates would be low. I found that Farmers Insurance recognized my foreign driving experience (although I could not really prove it) - ALL others I inquired at that time wanted a yearly premium of $1200 or so for minimum coverage. My car is a Mazda 626, 1985 model, by the way. Farmers charged me about $600 a year.
A year later I found Geico (radio commercial). I meanwhile had 1 year of driving experience - no citations - inquired their rates and switched within 10 minutes right on the phone.
Geicos rate then was about $440 for 12 months. Much better than $600.
The rate went down in the last 2 years to under $300 a year. When I hit a car in a parking lot a few months ago, I expected that my premium would skyrocket as I had heard from friends.
To my surprise, the lady on the phone pointed out that I qualified for a repeated-customer or similar discount, since I was with them for more than 12 months. She actually backdated this discount for the last 12 months. The accident brought my insurance up by $20 per year, but the discount made more than $20, so by backing into that car on the parking lot, I actually got a lower insurance premium.
Geico is a very organized company. Any changes in your insurance come also in paper mail, but you can do everything via their website as well e.g. pay your renewal. Their customer service is excellent as you saw before :-)
The accident was processed very quickly. The other party was with Geico as well, when I arrived at my phone 1 hour after the accident I already got a call from them and that was all I ever had to do with it.
Recommended:
Yes
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Epinions.com ID:
ptiemann
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 - Top 10 |
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Member: Peter Tiemann
Location: Capitola, CA
Reviews written: 260
Trusted by: 2797 members
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