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Old 12-17-2014, 09:21 PM   #1
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GEICO switch and bait

I recently switched my insurance to GEICO after they provided a verbal and written quote cheaper than our current insurance. On receipt of the policy I discovered the cost of the policy was 15 times what was quoted. Yes, you saw that right, a 1500% increase over the written quote. The representative in Virginia Beach was rude enough I have written a letter to Warren Buffett. So now I am unfortunately screwed. The auto insurance was a little more than Progressive, but the supposedly lower RV insurance made it worth the switch. Now I am stuck with the auto insurance, have cancelled the RV insurance which forces me to lose my multi policy discount for the RV and homeowners insurance.
My wife warned me not to deal with GEICO after a nightmare experience with them 39 years ago before we met and married. I assumed, incorrectly, that a change of ownership would have led to a change of operation and ethics. BOY WAS I WRONG!!!!!!!
BEWARE GEICO!!!!!
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Old 12-17-2014, 09:41 PM   #2
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That's very disappointing to hear and I certainly don't have any reason to doubt your experience. I've been a GEICO customer for more than 30 years and have had a couple of claims (but no major losses) and my cost is still reasonable for a boat, RV and three cars, and their customer service has been excellent.
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Old 12-17-2014, 09:44 PM   #3
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There has to be more to this story, You say you have a written quote. I would take the written quote and the policy to the agent and ask them what was going on. Keep going up, start with the agents supervisor, then his supervisor, until you get what was quoted. Personally, I would have few choice words that I can not mention in this forum.
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Old 12-17-2014, 09:49 PM   #4
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Whats is the explanation for the difference in the written quote and the policy?
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Old 12-17-2014, 10:40 PM   #5
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I got mad at GEICO in 1955 when I was junior enlisted in the USAF. They would not insure anyone unless they were sergeant or above. I think they changed that quite some time ago.
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Old 12-18-2014, 09:27 AM   #6
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Old 12-18-2014, 09:36 AM   #7
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You Go State Farm!

We love State Farm.....they even beat USAA after 25yrs. with them! No speeding tickets for 10yrs and NO accidents EVER!
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Old 12-18-2014, 09:45 AM   #8
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Quote:
Originally Posted by Fred1609 View Post
Whats is the explanation for the difference in the written quote and the policy?

X2, what's the answer to this question? Without it, I don't think the OPs concern has any merit..
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Old 12-18-2014, 10:02 AM   #9
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Usually a change like that is caused when the person getting the quote does not give accurate info and once the DMV report has been pulled they find more activity and raise the rate accordingly.
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Old 12-18-2014, 10:08 AM   #10
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You're not screwed. Don't pay GEICO a cent, cancel the policy, and go else where.
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Old 12-18-2014, 11:43 AM   #11
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Come on OP. Lets hear some more info. Until then I'll be watching the BS meter
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Old 12-18-2014, 07:15 PM   #12
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GEICO switch and bait

No DMV activity other than one ticket almost 3 years ago which they were informed of when I called for the quote. The first supervisor I spoke to was rude and brusque. As I was only 10 minutes away from their office I suggested I come over and have a meeting with him and his superior. He suggested I would be met by security and not him. What a way to greet a new customer! Finally I got another supervisor in a different office who researched what happened. The original agent who provided the quote and had the Vin number, model number etc put a value of only 1/3 what I paid for the RV and only for liability, no collision, comprehensive, contents etc. The quote emailed to me gave a breakdown of coverage for the cars, but no breakdown for the RV. Though the second Supervisor was courteous and professional, she was unable to honor the original quote or explain how the agent could have made such a gross error.

I called Good Sam today and have insurance, properly quoted, for just over $490 for the year.

Many years ago my wife purchased insurance through a GEICO agent. A week later she was Tboned at an unmarked country intersection in rural Virginia. As the police found no-one at fault, GEICO initially tried to say they hadn't actually started her coverage and were not liable for her damage. When it came to light that they had already cashed her check, they paid for her repairs and then immediately cancelled her by then 3 week old policy. As her policy had been cancelled, she had to get high risk insurance through AAA. In her 44 years of driving she has never so much as had a parking ticket. I should have followed her wishes and stuck with Progressive!
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Old 12-18-2014, 07:44 PM   #13
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Old 12-18-2014, 07:45 PM   #14
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Musta sounded way too good to be true in the first place.
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