Tired of Paying More for Being a Good Driver I Switched to GEICO
Written: May 17 '09 (Updated May 19 '09)
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Product Rating:
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Pros: Low rates; excellent web-site; very responsive custome service, so far
Cons: None so far.
The Bottom Line: Like I stated from the outset, insurance is a necessary evil, but so far we have been in good hands with GEICO Insurance Co.
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| vemartin's Full Review: GEICO Direct |
Insurance, it is a necessary evil. Car, life, accidental death, home, apartment, condo, and health, the list seems never ending but, again necessary in today's ever increasing complex world of life, death, and finance.
For automobile insurance we used to be covered by Allstate Insurance Co., a concern we have been doing business with for the last 12 or so years. But the "Good Hands" people kept raising my rates every time my policy came up for renewal. This was the case despite that fact that my driving record is spotless and has been for the last 7 years; no accidents, moving violations, or even parking tickets.
My automobile insurance was going up on average of $25.00 every six months. At a time when budgets are strained, mine included, this situation was fast becoming untenable so I started looking around for another insurance carrier. I think I looked at them all; Progressive, Nationwide, State Farm, American Family Insurance, and in the end I went with Geico Insurance, because their claims of hundreds of dollars of savings are legitimate.
The Government Employees Insurance Company or GEICO Insurance Co., is headquartered in the nation's capitol, Washington DC. The company got its start providing insurance to government employees and high ranking military officers (today, the company offers discounts to ALL U.S. Military personnel). Today, GEICO offers insurance to the masses at rates that often undercut the more staid brands like All State and State Farm.
GEICO offers all matter of insurance including Automobile, Homeowners, Renters, Flood, Life, Umbrella, Commercial Auto, Motorcycle, ATV, Boat, RV, Off-Road Vehicle/ Snowmobile, and Overseas Insurance. The list is impressive and growing. So far all we have is Automobile insurance with GEICO, may soon pick up Condo insurance as well when our policy with All State is due to renew in the fall.
Like most insurance company's GEICO offers discounts like for being an active duty member of the military, or a retire member of same. The company also offers a safe driver discount as well as a multiple policy discount. Other automobile insurance discounts include:
•o Multiple auto discount
•o Passive restraint (airbags) discount
•o Antilock brakes
•o Anti-theft device
•o Good driving record
•o Elder statesman (25 years or older)
Claims
I have yet to file a claim with GEICO so I cannot speak to the swiftness and effectiveness of the process. I can tell you that you can file claims on-line at GEICO.com.
Web-site
The GEICO web-site is useful, comprehensive, and very, very, useful. One can get a quote, open a policy, renew a policy, view paperwork, update account information, make a payment, contact customer service, report an accident, file & track a claim all on-line. Nothing could be easier.
Conclusion
Like I stated from the outset, insurance is a necessary evil, but so far we have been in good hands with GEICO Insurance Co. True, so far we haven't filed any claims so I cannot speak to the veracity of that process. I can however speak to the low prices; they are by far the lowest of all of the major insurance companies, and by switching to GEICO I saved a little over $150.00 for a six month policy. I have been with the comany for three months now so come renewal time I will see if "rate-creep" rears its ugly head once more; stay tuned.
I have read more than a few negative reviews about GEICO on-line, but I hope they are not the norm; time will tell.
Recommended:
Yes
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Epinions.com ID:
vemartin
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Member: Vincent
Location: Aurora, IL
Reviews written: 1368
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