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Old 02-08-2012, 06:44 PM   #1
elgato gordo OP
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Insurance Scam GEICO

Just got a new insurance policy for my new to me SV650. GMAC $33/yr for just liability. GEICO quotes $136/yr but I have a 3 year old ticket for 10mph over so they change the quote to $238/yr.
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Old 02-08-2012, 06:56 PM   #2
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Quote:
Originally Posted by elgato gordo View Post
Just got a new insurance policy for my new to me SV650. GMAC $33/yr for just liability. GEICO quotes $136/yr but I have a 3 year old ticket for 10mph over so they change the quote to $238/yr.

Did you tell them about the ticket, before you got the original quote?
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Old 02-08-2012, 07:12 PM   #3
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Originally Posted by Mac View Post
Did you tell them about the ticket, before you got the original quote?
You got to admit Mac, 10 years on a ticket!!! Is a little nuts to be asking about. I have never been asked to go that far back. I would actually have NO IDEA. So don't bust his balls about maybe not remember something as simple as a ticket 10 years prior.

GEICO
Government Employee Insurance Company - Before they went public and that is when they went downhill.

I had AAA in MI, they were the cheapest and their agents did stuff for you, not how it works here in CO. So I went back to Progressive - never an issue and I used them on a car claim, it was fine and they were fast. They never asked to go back 10 years...LOL And they only wanted to know points not tickets.

I heard USAA can be good, I tried and my quote was through the roof *shrug* They say call around every year or so and shop yourself around especially if you have a clean record. I would say 10 years is clean for any companies I have asked.
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Old 02-08-2012, 07:45 PM   #4
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Originally Posted by modette View Post
You got to admit Mac, 10 years on a ticket!!! Is a little nuts to be asking about. I have never been asked to go that far back. I would actually have NO IDEA. So don't bust his balls about maybe not remember something as simple as a ticket 10 years prior.

GEICO
Government Employee Insurance Company - Before they went public and that is when they went downhill.

I had AAA in MI, they were the cheapest and their agents did stuff for you, not how it works here in CO. So I went back to Progressive - never an issue and I used them on a car claim, it was fine and they were fast. They never asked to go back 10 years...LOL And they only wanted to know points not tickets.

I heard USAA can be good, I tried and my quote was through the roof *shrug* They say call around every year or so and shop yourself around especially if you have a clean record. I would say 10 years is clean for any companies I have asked.

Quoted, for reading comprehension...

Read his post again. He said three years, 10 mph.

... and a recent ticket may make me a non-GEICO customer soon. 9mph over, otherwise clean for 5 years - amazingly.
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Old 02-08-2012, 08:03 PM   #5
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Quote:
Originally Posted by modette View Post
I heard USAA can be good, I tried and my quote was through the roof *shrug* They say call around every year or so and shop yourself around especially if you have a clean record. I would say 10 years is clean for any companies I have asked.
USAA is awesome for auto, home, renters, life, etc. No hassle with paying claims and I've never received a quote even close from a competitor.... but they don't do bikes. It gets farmed out to Progressive.. You get a "Progressive for USAA customers" program with a co-branded website and phone support.
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Old 02-08-2012, 08:10 PM   #6
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Quote:
Originally Posted by Mac View Post
Quoted, for reading comprehension...

Read his post again. He said three years, 10 mph.

... and a recent ticket may make me a non-GEICO customer soon. 9mph over, otherwise clean for 5 years - amazingly.

"You got to admit Mac, I should keep my mouth shut!!! Im a little nuts to be posting about. I have never been asked to post in anybodies thread. I actually have NO IDEA. So don't bust my balls about maybe not remembering something as simple as a reading and comprehending."


Fixed!
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Old 02-08-2012, 09:52 PM   #7
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Originally Posted by Assfault View Post
Fixed!
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Old 02-09-2012, 05:05 AM   #8
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Quote:
Originally Posted by Assfault View Post
"You got to admit Mac, I should keep my mouth shut!!! Im a little nuts to be posting about. I have never been asked to post in anybodies thread. I actually have NO IDEA. So don't bust my balls about maybe not remembering something as simple as a reading and comprehending."


Fixed!
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Old 02-09-2012, 06:59 AM   #9
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Almost every company is going to ding you for a ticket if it's been 3 years or less. There are some really broad disparities in moto insurance costs, and it definitely pays to shop around, but caveat emptor, as I have read some horror stories from riders who went cheap on the insurance (mostly small, out-of-state firms)..Penny wise and pound foolish

Disclaimer: I am a loyal Geico customer. I have had only good experiences with their claims and I appreciate the 24/7 service (not sure you would get that with GMAC ). They really went to bat for me when my old R80 was crunched by an asshat in a minivan. I also carry my cage and homeowners insurance with them and get a pretty good discount. I have shopped around in the past, and for example, Progressive gives me a much better rate on the bikes, but the insurance on the truck is much higher so it ends up being a wash.
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Old 02-09-2012, 07:24 AM   #10
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Quote:
Originally Posted by thump_co View Post
USAA is awesome for auto, home, renters, life, etc. No hassle with paying claims and I've never received a quote even close from a competitor.... but they don't do bikes. It gets farmed out to Progressive.. You get a "Progressive for USAA customers" program with a co-branded website and phone support.
... and I believe better rates the regular Progressive customers. The downside is you still have to listen to Flo chatter away while you're on hold .

Dave
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Old 02-09-2012, 08:02 AM   #11
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You do realize some of your premium pays for a little green lizard to tell us jokes?
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Old 02-09-2012, 10:28 AM   #12
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FYI- GEICO is owned by Bershire Hathaway- Warren Buffet's company.
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Old 02-09-2012, 10:37 AM   #13
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Why do people use Geico or Progressive when there's many other insurance companies way cheaper for the same policy?
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Old 02-09-2012, 10:48 AM   #14
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Amica and Chubb are the only decent insurance companies out there. They are a bit more expensive, but they actually provide the coverage they sell, unlike virtually every other ins co.
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Old 02-09-2012, 11:35 AM   #15
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Originally Posted by unaweep View Post
Amica and Chubb are the only decent insurance companies out there. They are a bit more expensive, but they actually provide the coverage they sell, unlike virtually every other ins co.
USAA is as good as any when it comes to paying. This is from personal experience of losing our home and virtually everything we own to fire a few years back. Like any insurance company, when you start talking big money you have to stand up for yourself and argue, but they did the right thing and we didn't need attorneys.

Several contractors have told me USAA, Chubb and Amica are the best to work with. I've heard horror stories about State Farm and Allstate.
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