Geico John j. Zinno Liability insurance is over $4000/year New York Brooklyn New York

I used to pay $400 for full insurance now I’m paying over $400 for liability only and this is due to the fact that I had a overlaps for four days. It is obvious that I did not have money to pay for my insurance for four days but then when I made the money it was too late they doubled my insurance saying teaching me a lesson to be on time for next time.

I don’t get it I always reason once insurance is helping them and making sure of him to pay is only making it harder on the consumer not better. I live in Brooklyn, don’t have an accident at fault but yet Geico wants to charge me over $400 a month for insurance for liability, only I am sick I don’t see a fair pricing here as they ask you where you live and if you see Brooklyn is very expensive How they can just price people by the location and also be mandatory to have one What happens when you pay insurance for full year And those who have no accidents never see that money back or was never covered it’s just in case of something happens this is a big ski scheme.