Your GEICO Experience - Chicagoland Sportbikes
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post #1 of 11 (permalink) Old 05-08-2008, 09:03 AM Thread Starter
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Your GEICO Experience

We have been shopping for Home, Auto & Motorcycle insurance, as we have been with Nationwide General for at least 6 years, and while they have been relatively good to deal with, our premiums have kept rising it seems exponentially. Even our agent, who is usually very good, has stated off the record that new corporate upper management has been greedy and rates are comparatively over 25% higher than other carriers.

We have narrowed it down to GEICO dollar wise, and my question is to those who have had or have GEICO coverage, what has been your experience with them? Has GEICO been responsive and reasonably fair with claims, and have seemingly insignificant claims resulted in significant premium increases?

Thanks in advance for your input.
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post #2 of 11 (permalink) Old 05-08-2008, 09:07 AM
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I have Geico. They've been great for me. 2 cars and a bike and a house. (House ins was purchased through them but the actual insurer is Liberty Mutual.)
Last year I total'd my Audi TT. Geico gave me true blue book vlaue for the car at the time. $21,000.00. (Side note, the great thing was I only owed about $9,000 left on it!! AND I survived the crash!)
I was impressed because 1.) They didn't drop me 2.) Surprisingly my rate never went up and 3.) My rate is actually lower now then last year!

GEICO--They've been good to me.


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post #3 of 11 (permalink) Old 05-08-2008, 09:13 AM
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I deal with insuracne companies on a daily basis. Do a search on insurance company ratings. AAA companies are the best but also cost more. Allstate for example is the worlds largest substandard insurance company. You get what you pay for most of the time. The top insurance companies that are AAA usually do not advertise either. Most you may have never heard of them. Some of them you may also not qualify for also. Really do your research on your insurance and decide if saving a couple bucks is worth the headache. Most insurance companies out there use a/m part, and some for safety related items. Some will have shops fix things that should not be fixed. Since I see this everyday there are other things that I know or think about that most others wont.


The cheaper insurance companies are also sometimes higher priced also. Keep that in mind also. I dont want you thinking if statefarm is $1000 a year and gieco is $1200 then geico is a better insurance company.
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post #4 of 11 (permalink) Old 05-08-2008, 09:15 AM
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Quote:
Originally Posted by Guess Who? View Post
I deal with insuracne companies on a daily basis. Do a search on insurance company ratings. AAA companies are the best but also cost more. Allstate for example is the worlds largest substandard insurance company. You get what you pay for most of the time. The top insurance companies that are AAA usually do not advertise either. Most you may have never heard of them. Some of them you may also not qualify for also. Really do your research on your insurance and decide if saving a couple bucks is worth the headache. Most insurance companies out there use a/m part, and some for safety related items. Some will have shops fix things that should not be fixed. Since I see this everyday there are other things that I know or think about that most others wont.


The cheaper insurance companies are also sometimes higher priced also. Keep that in mind also. I dont want you thinking if statefarm is $1000 a year and gieco is $1200 then geico is a better insurance company.
So which company would you suggest?
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post #5 of 11 (permalink) Old 05-08-2008, 09:21 AM
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Any company that advertises like Geico does, is going after quantity. I can only imagine how unresponsive they might be based on the amount of policies they probably have out there. They were way more expensive for just oceverage on my bike then Progressive and Foremost when I got a quote a couple years back.

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post #6 of 11 (permalink) Old 05-08-2008, 11:04 AM
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Quote:
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So which company would you suggest?
I personally have state farm. The are only classified as a AA company but most AAA I do not qualify for. Statefarm does not use Aftermarket sheet metal on vehicles, and does not charge a betterment on parts. Just incase someone is wondering betterment is taken on tires, batteries etc. They also happen to be one of the cheapest for me. I spend almost $500 a month with statefarm but have my vehicles, motorcycles, homeowners and big life insurance policies on my wife and myself. A couple AAA companies I can think of off the top of my head is CHUBB and Atlantic Mutual ins. Chubb last time I checked has requirements of your home had to be worth atleast $350k and you had to have one vehicle that was worth over 50k. You pay a little more for them but if you are in an accident they pay whatever it costs to repair the vehicle and you only get brand new OEM parts.
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post #7 of 11 (permalink) Old 05-08-2008, 12:08 PM
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Geico has been good to me. 11 motorcycles, home, 2 cars, boat... I never once had any problems with claims or customer service issues.

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post #8 of 11 (permalink) Old 05-08-2008, 12:20 PM
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Quote:
Originally Posted by Guess Who? View Post
I personally have state farm. The are only classified as a AA company but most AAA I do not qualify for. Statefarm does not use Af\.
Huh... I'm surprised Statefarm does not have a AAA rating. I did not know this. State Farm has always been good to me, no problems and very competitive rates on cars and bikes.
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post #9 of 11 (permalink) Old 05-08-2008, 01:16 PM
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I'm with geico right now, but am thinking of switching to progressive.

Geico does not offer full replacement value (ie what you paid for the bike), progressive does. Cost is ~$100 more/yr, but is worth it IMO. I need to read up on what geico's cancelation policy is, and what sort of surcharges they'll hit me with.
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post #10 of 11 (permalink) Old 05-08-2008, 01:25 PM
 
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Quote:
Originally Posted by GPz1100 View Post
I'm with geico right now, but am thinking of switching to progressive.

Geico does not offer full replacement value (ie what you paid for the bike), progressive does. Cost is ~$100 more/yr, but is worth it IMO. I need to read up on what geico's cancelation policy is, and what sort of surcharges they'll hit me with.
I doubt they have any cancellation charges. State Farm, Allstate, and Progressive did not I have cancelled from each of them at one time or another.
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post #11 of 11 (permalink) Old 05-08-2008, 01:33 PM
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State Farm....

I currently have 5 bikes, 2 cars, home, and (pending)mortgage disability with State Farm. I've had a couple of claims with them; one accident and a theft way back when we were renting, both resolved quickly, completely, and to satisfaction. I don't think that Geico can even touch them on bike rates, unless they've come down a lot. They always quoted me 1000.00+ per year on the Ducs, while with State Farm, I always pay around 350.00 per Ducati, Triumph, whatever. I've also taken out bike loans with State Farm bank; I've had sub 8% rates on 5 year old used bikes. Check them out..

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