GEICO Government Employees Insurance Company Auto Add of driver based on flawed logic and false documentation Ft. Worth Nationwide

My girlfriend: 
I have been dating her for a few months
We do not live together
We do not have kids
We do not work together
We do not share taxes
We do not depend on each others vehicle
She lives with her parents
She has had a license for only a week
She bought a car yesterday
She is unable to qualify for GEICO due to lack of experience

Myself:
My Insurance is GEICO
I have been with them happily for years
I have full coverage
I am a veteran
I live with my parents


Upon receiving her license, I decide to call up GEICO for advice. Since I was going out of town for the weekend, and she always works them, we thought it would be fun if she came with and drove my truck to her job that weekend. I call up GEICO and ask the intricacies of having another person operate your vehicle and explain the weekend situation.

They explain the procedure very satisfactorily, but then add her as a driver automatically and irreversibly. This proceeds to skyrocket my insurance by a 150% increase (from $100 to $250 /mo.). I explain I was only asking advice and they proceed to tell me that based on their guidelines they must add her because it appears she will be driving my vehicle on a regular basis. She proceeds to tell me the only two options are to show proof of her getting insurance (which I fail to see why her insurance is MY business), or do a named driver exclusion which basically makes a complete stranger covered to drive my truck but my own girlfriend not--a harsh punishment for responsibly asking advice for the future

I quit arguing and write the company a complaint in which they respond with the same logic, and state that anyone in "my household" must be covered under my insurance.

I then call back and am presented with the fact that a lot of false documentation has taken place. They state that she is as young as 19 in which she is not, reiterate that she lives with me, in which she does not, and state that I stated (and that its documented) that she was a routine driver of my vehicle. This fails to logically validate itself due to the fact that she has had a license for a week, that we do not work/live together, and that she was planning on buying a car right after the weekend that I had inquired advice for.

I get off the phone and hop on the internet to find that GEICO has a multitude of complaints with this sort of thing dating as far back as I could find to 2008! I explain my situation to friends, family, and colleagues to discover I am not crazy and that this is unfair practice. I call back a final time.

This time my request for a supervisor (as opposed to the previous phone call) is met and I discuss my situation with a lady who was professional and courteous the entire time (albeit she has to go in accordance with these terrible guidelines). However, she gives the benefit of the doubt to this documentation that states I had told them my girlfriend was to be a routine driver. She reiterates the options of proving my girlfriends insurance, or doing an exclusion form. I then proceed to ask where is the incentive on asking for advice in the future and do I have to claim every one night stand I might have from this point on towards my policy (I’m not serious on that--it’s a point I’m making that my love life should not factor into my car insurance). Also no reason was given as to why my girlfriend was unable to meet the qualifications of GEICO in order to have insurance through them, yet she appears on mine due to me mentioning her existence.

After the failed phone call, I then proceed to file another online complaint, asking "WHY?" to everything wrong here, as well as fax in the driver exclusion and a written letter of disapproval stating that I did not intend to renew with them.As a veteran of the intelligence community, an engineer graduate, and a former employee of both automotive repair and customer service, I truly hope that I am not flawed in my justification of this whole situation that is supposed to be so easy "a caveman can do it."

GEICO= Genuinely Evil Insurance COmpany