Geico insurance Cancel, rate increse, rip off web, Internet

I've been with Geico insurance for about  a year and upon my policy coming to an end on 11/5/09 they told me when I renew my policy the premium would go down because of some violations coming off.  I have 1 superchargable offense that they can charge me for.  But my main vehicle with full coverage was in-operable due to no state inspection and also a shot transmission.  I left my truck at the dealer since they said it was going to take 2-3 weeks to fix.  I decided to not renew my policy till then.  I called geico to pay off my $64 dollar balance and they asked if I wanted to renew and I explained that I dont have a car right now becuase its being fixed and I would renew in a couple of weeks, they ran my info, not my drivers license and said I would gofrom paying $562 for 2 cars for 6 months to paying $911 for 6 months.  When I asked how they can do that they said well you let your insurance lapse and I explained that I dont have to have insurance when I dont have a car and therefore Im not paying an extra $300 because I dont want to carry insurance especially since I spoke to the dmv and they said Im not required to insure a car Im not driving on the road.  Also they said they found a violation on my record of loaning my license to another driver and I was alway's wondering how that was possible because I've never given my license to anyone else and certainly I would know about this.  But Geico insists that they are giving me the best rate even know I am no longer required to carry sr22, and other violations are set to come off.  Also Im supposed to get a military, and multi car discount so answer me this how can they rip me off $300+  They lie and will cheat you.  Do not insure with geico save yourself the hassle.  I will be contacting my attorney I thnk the federal trade commission should step in so they cant do that to others.