GEICO Direct

Pros: Very low auto insurance rates.
Cons: May not be so cheap if you have a less than good driving record.

I have used GEICO for auto insurance for nearly twenty years. Every so often I go on websites to get instant quotes just to check if GEICO is still the most competitive. It invariably is. But, this may depend on how you use insurance, how you drive, and what is your age and area.

In any case, I am middle aged, have a good driving record, and we drive our car very little (about 6,000 miles a year). Also, I take out the highest deductible possible ($1,000). I also live in a suburb, which results in much cheaper rates than if you live in a large city. Given these circumstances, we pay $400 a year for car insurance with descent liability coverage.

Remember one thing about insurance, only pay for the risk you can't afford; don't pay for the risk you can afford. The first $1,000 in repairs is a risk most of us should take on. Otherwise, you are going to pay through the nose to pass on that risk to the insurer.

Pros: Lowest prices, good customer service, high ethics.
Cons: Nothing

I have been a GEICO Direct Auto and Umbrella customer since January 1998. They came highly recommended, and their price was the best, so the decision was an easy one.

In January 2004, I had an accident in Brooklyn NY. A police car ( in hot pursuit ) ran a red light, and I hit it, knocking it into two other vehicles. I did not hear the siren, and the NYPD did not hassle me in any way, but still--this was not a good night.

I thought there GEICO would give me a hard time on my renewal. They did pay Property Damage loss to the two vehicles that the police car was knocked into.

Imagine my surprise when renewal time came around, and they not only did not cancel me, but they renewed at the same price, no hassle of any kind.

I hope to stay with GEICO for a long time. They are an ethical company with great service. In New York City, their rates are the best as well. They are the absolute best.

Pros: absolutely nothing
Cons: Everything about them. They stink! DO NOT GO WITH GEICO, you will regret it!

I had GEICO insurance for little over a year. I had a minor fender bender which required my car to be repaired. GEICO refused to repair my car if it was not taken to one of its guaranteed repair shops. Well thats when all the problems began. The shop used inferior non OEM parts, did a horrible paint job, and hid " extra " charges. When I complained to GEICO, my coverage was threatened, as well as treated like a criminal. I finally got them to just look at my car. When that happened, GEICO sent 4 reps out to gang up on me. I was threatened, intimidated, and told too...., well I won't use that language.
GEICO is the worst company I have ever dealt with, they are liars, they cheat there customers, and don't deserve to be in business.

Pros: Cheap teaser rate to get you to switch.
Cons: Didn't take long to be paying more than old company.

I changed to Geico several years ago because they offered a lower rate, however each year they raised the rate about 5-10% even though I had no claims or tickets.  Within 3 years there were no savings so I went to Liberty Mutial and received a better rate than Geico when I switched to them.  Liberty Mutial has not raised my rate much in 5 years now (maybe 2% total increase in 5 years).  No more Geico for me!

Pros: Quick replies to questions, even if it's not the right answers.
Cons: They look for any excuse to increase your premium after you've bought it.

Recently bought insurance for my two kids, ages 25 & 19. After answering 1001 questions online, got a great quote and paid total premium. Few days later, got notice of premium increase because 1) They didn't have enough credit history, even though the entire premium was paid up front; 2) my 25 year old was involved in an accident in which she was not at fault (she got hit head on by a drunk driver). Wrote several e-mails questioning the unfairness of the increase and their pre-worded standard replies danced around the issues. They never budged from their policy and finally told me how I could get a refund. Beware of this company. Ask lots of questions before you take their word on the premium they initially quote.

Pros: Great EXPERIENCE.
Cons: None

I switched from Allstate to Geico.
With all state I had a 6 month premium on $15000/30000 policy of $692.00

With Geico, I increased the coverage to $100,000.00/300,000.00 and my premium dropped almost $300 fro the 6 months period to $394.00

Pros: nothing
Cons: Rip off refuse to fix my car, Please help me

Please somebody help me. My car was hit today by a party with GEICO. GEICO is totalling my car. I want it fixed. Please help me get it fixed. It is worth so much more to me. The car only has 50,000 miles, runs beautifully. I put $900 into the car last week for an alternator. I put a new compressor in it this summer. Please help it is an OLDS98, think it is about a 94. Beautiful car leather seats, excellent working order. I deserve to have my car fixed. I was hit. Can anyone please help me? It is so wrong they are not fixing this beautiful car. If I was at fault I would feel different. I was hit. Is there anything I can do, to fight?

Pros: Fair Rates and good servicing when handling payments and policy adjustments.
Cons: Drive well, pay for years, but when you need them, will they also desert you?

As the writer of this EPINION (RoyU) and after these many years, I have no sceond thoughts about my original comments about GEICO.  GEICO can be dishonest when it is expedient to them.  Good rates and good service most of the time.   HOWEVER, they cannot be relied upon to stand up for principle or "Right or Wrong" for you as a human being.   In the many many years with GEICO, my wife and I have only really needed them this one time and they intentionally and unprofessionally went against me soley for the sake of saving the almighty dollar.   There was no misunderstanding between GEICO and us.   They knew exactly what they were doing to us and cared not one IOTA!!!   Mr. CEO Nicely included!!! 

Pros: cheaper price -- as baits
Cons: cheating on the price/quote.
bad customer service.

we bought with geico last year in long island. they are not professional and don't treat customers as their customers.

1. they gave us a really good and relatively low quote. so we bought it.
2. unfortuately, they seceretly increased our premium. seceretly means: they didn't call us, they didn't email us. they just raised the premium. we didn't find out until we got the bill in the mail.
3. my wife called the "customer service" and waited for over 40 mins, which questioned, if geico really has customer service.

i don't want to insured with geico, and i don't recommend customers like us buy geico either.