Geico Geico took my money North Carolina Nationwide

I am so angry with Geico insurance and the state of North Carolina right now, here's what happened to me. I did a routine review of my auto insurance rates recently and discovered that I could save over $1000 per year by switching to Safeco. I immediately signed up and contacted Geico to cancel my existing policy.
Much to my surprise I was given mis-information by the first clerk that I spoke to. I was told to mail in my request to cancel, which I didn't need to do as stated by a second clerk a week later. The second clerk told me that all I needed to do was submit my request on their site and all would be ok. She also gave me my refund amount of $218.88.
When the actual refund came it amounted to only $89.49. I immediately called Geico to find out why the refund was so low. I was informed that the state of North Carolina allows them to take what's call a Short Rate Premium for early cancellations as well as a .431 percentage of your actual refund.
Here are my numbers: Total Amount of six month premium=$958.49 x 61% (Short Rate Premium)= $548.68 Subtract that amount from the amount actually paid: 803.48-548.68= 218.88 the actual amount of gross refund. But wait here's the kicker Geico takes another .431 (That's over 43%) from my refund as an additional penalty which amounts to $94.28. My net refund according to Geico is only $124.60. What a rip off and I plan to tell every one I know! What's even worse is that North Carolina is the only state in the Union that allows this, some politician must have some serious investments in Geico.
Cheaters, liars, thieves!