GEICO ripoff insurance company wants to give me a rate increase inspite of my spotless record Fredericksburg Virginia

Steve-
The process that you went through with your policy is commonly referred to as a "reissue". As you had already made clear, this occurs when you policy has canceled. I know that this situation is new to you do to your circumstances, however, thousands of people (regardless of the Insurance company) have to reissue their policy every month. I am speaking generally, as you would see this with any type of insurance (life, health, auto). Let me explain in better detail the "why" behind the process.

Most people dont realize that there policy has canceled and thus have been driving around with out insurance on their vehicle for a while. This is the full reason for the Visual Vehicle inspection, to Prevent Insurance Fraud. Unfortunately, most people pay no attention to their insurance policy until they need to use it (file a claim). Which is typically when they also find out that they have been canceled for some time.

Every agent asks the customer if they had been involved in an accident since the policy cancelation but the majority of people know that insurance won't pay for their claim during a time of non-coverage. Unfortunately we cant believe what everyone says so we have to check.

A visual inspection is only required if a policy holder wants physical damage coverage (comp & collision) and has been in a lapse for over a certain length of time (typically over 2 weeks). Statistically, if your policy has only been canceled for 1 day, your chances of being involved in an accident on that single day are pretty low.

So, to prevent insurance fraud, insurance companies want to verify that the vehicle has not been in an unreported accident. These are the bad apples that ruin the whole barrel. You certainly wouldnt want to pay higher rates because hundreds of people in your area were only paying 1 month worth of insurance to get their 15 thousand dollar car paid for, and then cancel the policy.

The person that did the inspection wouldn't know anything about Insurance (unless they were an insurance agent)since they are typically a mechanic. We simply want a 3rd party to verify that the vehicle does not look like it has recently been in an accident. It truely is that simple. Your cars working condition or cosmetic details gives no concern to the Insurance company. Even your neighborhood agent does the visual inspection but most people do not remember it happening because it consisted of a glance out the window or just walking you to your car. People do try to insure 'fake' vehicles and then claim they were stolen.

I hope that this clears up some of your confusion. In regards to your policy increasing-that is very specific to your personal policy. Many things are evaluated and it could have been the combination of several factors that caused your risk to increase. I can tell you one important variable. Insurance companies do look at payment history on your policy, and if your policy is always coming close to canceling prior to the payment, that can impact you. I dont know your personal situation, but the person who is always paying the day it should cancel is being irresponsible. It's just a matter of time before that policy does cancel.

I would also like to say that Geico does send out bills. That is required by law and would never be changed. Every company wants to save money now days by going paperless (E-Bill & E-Statements) but if you never sent any form of bill then you will have no customers. You have to enroll in E-Bill and there would be confirmation of that.

In regards to the background reporting, there is nothing that any insurance company can put on your 'record' that would make you look bad to others. There is only 1 report that insurance companies report on. No comments or write ups go on this. It only consists of claims that you have filed and been paid for by insurance companies. If your friend said that there was something negative on that report then you may want to revisit what sort of claims have been filed.

And NO, glass claims dont count against you. Most companies use very similar underwriting guildlines. If your current insurance company evaluates you to be a higher risk now and other companies are to, then you need to find out what's really the negative factor. Lapse of Insurance in the past 12 months can be a huge factor but you wont know until you ask. If you were moved down in company placement then the Privacy Act provides you the right to receive the specific items of information that created the decision.

If it was not too long ago you should be able to call and get a small break down of the 'negatives' that impacted your rate. I hope this information helps you.

I have no experience with Geico, so I can't agree or disagree with you. I do however, deal with a local (((ROR REDACTED COMPETITORS NAME))) agent, and it is working out quite well. I had insurance through AAA... I purchased a new vehicle after having had an at fault accident, and the rates were ridiculous. My friend recommended me to the agent, and I've been using him ever since. I love being able to call someone who knows us by name. Also, being able to change coverages, ask questions, or make payments at the drop of a hat is wonderful. I realize that AF is a huge corporation but the personalized attention that is available at the agent level is a luxury not known to Geico or (((ROR REDACTED COMPETITORS NAME))) customers. Local agents will often give you better rates, better combined rates, and will work with you should you have financial difficulties. My suggestion to anyone who despises their insurance company - shop around. Good luck!

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

GREED. A word I can only use in the light of all the obvious corruption and fraud going on in America today at every level of business and government it seems. The insurance companies, as a whole, seem to be plagued with so much from corp. CEO's on downward though especially...

Our family's problem being with Geico several years now and having no claims against our policy whatsoever is this. My wife had a series of operations and medical troubles through Christmas and in January, I contacted Geico then to ensure an insurance payment was received which I thought my wife made before going to hospital. It was not and was a simple oversight on our part and I apologized for that, though I still was within the 30 day overlap period which you pay ahead on your premiums. So I made a payment on phone then and actually paid ahead.

However, after I made the payment, Geico told me there would be a problem. They told me because the payment did not get their when due, regardless I was in the overlap period, they could no longer keep us on their preferred client rate we had been on a long time, and they pushed the renewal date of our current policy backwards 30 days in fact, so it looked as if we had no isurance for 30 days and a lapse in coverage which was not true!

And now, our policy would be reduced from full comprehensive to basic liability (premium still the same) and that we had to have our vehicle taken to some inspection agent in our area for them to review the car that was insured. Geico also said our policy effectively was canceled and a new policy would have to be issued. But they assured us pending this inspection, if all was fine as before, we would get the comp./collision reinstated on our vehicle because that vehicle still is financed and our lender needs to show as 1st lienholder on the policy; yet Geico didn't care about that.

So we took our car to a local Geico inspection agent right away and the guy walked around the car and did a visual only, gave us a copy of a form checked off as "no damage to vehicle" and that was that. He said he was to send results back to Geico and we would hear from them... So we waited like Geico said to receive response based on that and to get our comp. policy back.

It has been about 2 weeks now, and in this time, our lender has contacted us saying they show no insurance on our vehicle and wanted an answer what was going on. Then we get notice from DMV whom I called and explained what happened to us. Even the DMV said it made no sense and to get hold fo Geico right away, or we would be repsonsible for paying the state a fee or having our plates taken in 6 days if there was no insurance.

Well, in this period, we also got another policy from Geico, with same policy number as original comp/collision we always had, but now this showed all collision coverage taken off policy with the same premium as the previous full policy we always had.

We called Geico yesterday and they acted like they didn't care to hear about the inspection they required us to get, nor cared about our tenure with them, or the simple oversight how we missed the payment because of my wife's medical problems at the time; and though they took our payment, we were told they refused to contact DMV (as they told us they would after the inspection proved car was not damaged), and said, if we want to get the collision/comp back on and show our lender as 1st lienholder (as they always were before), that we would have to pay an additional premium cost now of $500.00 more to get back what we had previously.

Geico refused to care or understand the situation and used no common sense in our case, and told us that was it or nothing- so if we do not pay $500.00 more ASAP, our lienholder will cancel our auto loan and call that note and take our car and this is NOT right!

We did call several other companies right away to do comparison, but since insurance companies use an exclusive computer data system, Geico inputed data on our policy that the other insurers have seen, which they base their premiums by, and to go to AIG for instance would cost us $1,000.00 more for same exact policy!

And our friend who has worked 15 years with Erie Insurance Company and is an underwriter for them, also agrees this is dirty pool, but reiterates this sort of thing has been going on inside the insurance companies to make more money and it is unethical... And even Erie, looking at the insurance industry ratings system used, sees Geico's marks about our policy, so that makes us look as a high risk, and they cannot write us a policy without an exorbitant rate applied either...

I feel like this is some legalized scam, because we have always been good customers with Geico, and even had our sons and many others convinced to go to them with their business, but Geico told us none of that mattered. They told us, even though they realize we did not have a lapse in policy, that until their next underwriter review occurs on our policy renewal date (July 2007) they could not adjust or make changes on their computer system to reflect our policy!!

This is a crock and I feel like we have been defrauded by Geico or financially extorted in an elaborate way to now be forced to pay even higher premiums on the very same policy numberwe always held. And as another note to those who may question my complaint here, Geico NEVER sent us any cancellation notice or late payment notice either and told us they stopped doing that as a cost cutting event for Geico..

I calculated last night, in my lifetime of driving, I never had an accident or at-fault problem ever. I had 2 windshields replaced years ago on my comp. policy (minus my deductible of course) broken by rocks from a semi in front of us on the highways and that is all. But in all my driving years, I have paid in excess of $56,000.00 in car insurance premiums not including our current homeowners which we have through Geico or life insurance with another company, etc...

I agree with the comments above. GEICO saturates the airwaves out here (both radio and TV) with their misleading ads about saving us tons of money. Anyone can do just a little research and find better deals. The extra money you will pay in premiums to GEICO goes towards all this non-stop advertising and also to their agent's yearly profit-sharing bonus.

I too looked into geico and was shocked at what they wanted for very limited coverage. I ended up with AAA at 30% less then geico with a 1 mil umbrella policy ( covering bodily and property ). Cheap as* geico would only offer 50/250 liability limits which I found to be a joke in todays economy. So geico wanted alot more money for alot less coverage for a driver with a perfectly clean record. Not in this life are they getting any of my business.

After a spotless driving record and the only claim being a broken window, GEICO raised our rates 38% for the new policy period. I guess someone has to pay for their stupid celebrity endorsements, and it will not be me.

For only $50 per six months more, I got TEN TIMES the coverage on both liability and collision/comprehensive, a $250 deductible, disability insurance,rental car reimbursement and free road service from USAA. All of this for just a little more than we were paying GEICO for state minimum liability, collision, no towing/rental reimbursement and a $500 deductible.

Too bad GEICO got greedy.

I am glad I saw this post by chance. I likewise have been a good standing policyholder of Geico for over 5 years myself. In fact, we sent both our older sons to Geico whom got their business too. But, this just occurred for us.

When I went online to Geico's website there was warning our policy was cancelled. So I called them, and they told me there was a payment lapse so they cancelled my policy. So I figured, as they blamed the mail and then us for being late, that since you prepay 30 days ahead, we could simply make this payment and that be that. No biggie. They then told me they would have to restart application all over again like I was a new person and go through a battery of details to evaluate what our new premiums would be, etc. Of course I got upset when I heard this as we had full comprehensive coverage on our 2002 Pontiac Grand Prix and were given a "preferred" rate which meant we paid approx. $900.00 yearly for said coverage.

My wife, who worked in insurance for some years tried to reason with them why all of a sudden, our payments were to go from approx. $900.00 yearly to nearly $1500.00 yearly nor for same coverage, same car, no damage or violations, etc.

Then they agreed to only give us basic liability for $500.00/6 months and told my wife we had to take the car to a local designated inspection station which we did. The man who could hardly speak 3 words said "I don't know nothin', and just look and report back to Geico". This guy walked around the car and did nothing more, and then told us we were good to go. This makes no sense.

All we know, is Geico told my wife, pending the results of the inspection, they would readjust our premium and give us back full comprehensive coverage whichw e had before- but declined to say it would be the same d**n rate we were paying previously. This all really stinks and my wife told Geico, she was contacting the Insurnace Commissioner of NC and that before she was done, we would have our same previous policy and coverage and at the same preferred rates we were paying months before.

What I do not understand, is how can Geico compare our car now to what it might have looked like months before to now gauge an insurnace adjustment? This makes no sense to us. Then,throughout our duration last week with Geico, our complaints and letters were responsed with "we will duly note this on your policy". But as Geico said, if we had no policy and it was canceleld, how could there be a policy then to note our complaints on???

Well, at this point, we have a new liability policy received in mail, and guess what? The d**n policy number on it is the same d**n p[olicy nhumber our previous full comprehensive coverage was for years! This makes no sense to us!

Anyone else out there experience this, because as I told Geico; I could understand if we had an accident that caused Geico losses, etc. but we did not! To simply do what they did from a normal human error seems exactly like many financial frauds out there the feds have cracked down on.

We will report what this outcome is, but right now, we have less insurnace at a higher premium and have wasted our time from work, etc. to get this stupid inspection done for no reason.

I am glad I saw this post by chance. I likewise have been a good standing policyholder of Geico for over 5 years myself. In fact, we sent both our older sons to Geico whom got their business too. But, this just occurred for us.

When I went online to Geico's website there was warning our policy was cancelled. So I called them, and they told me there was a payment lapse so they cancelled my policy. So I figured, as they blamed the mail and then us for being late, that since you prepay 30 days ahead, we could simply make this payment and that be that. No biggie. They then told me they would have to restart application all over again like I was a new person and go through a battery of details to evaluate what our new premiums would be, etc. Of course I got upset when I heard this as we had full comprehensive coverage on our 2002 Pontiac Grand Prix and were given a "preferred" rate which meant we paid approx. $900.00 yearly for said coverage.

My wife, who worked in insurance for some years tried to reason with them why all of a sudden, our payments were to go from approx. $900.00 yearly to nearly $1500.00 yearly nor for same coverage, same car, no damage or violations, etc.

Then they agreed to only give us basic liability for $500.00/6 months and told my wife we had to take the car to a local designated inspection station which we did. The man who could hardly speak 3 words said "I don't know nothin', and just look and report back to Geico". This guy walked around the car and did nothing more, and then told us we were good to go. This makes no sense.

All we know, is Geico told my wife, pending the results of the inspection, they would readjust our premium and give us back full comprehensive coverage whichw e had before- but declined to say it would be the same d**n rate we were paying previously. This all really stinks and my wife told Geico, she was contacting the Insurnace Commissioner of NC and that before she was done, we would have our same previous policy and coverage and at the same preferred rates we were paying months before.

What I do not understand, is how can Geico compare our car now to what it might have looked like months before to now gauge an insurnace adjustment? This makes no sense to us. Then,throughout our duration last week with Geico, our complaints and letters were responsed with "we will duly note this on your policy". But as Geico said, if we had no policy and it was canceleld, how could there be a policy then to note our complaints on???

Well, at this point, we have a new liability policy received in mail, and guess what? The d**n policy number on it is the same d**n p[olicy nhumber our previous full comprehensive coverage was for years! This makes no sense to us!

Anyone else out there experience this, because as I told Geico; I could understand if we had an accident that caused Geico losses, etc. but we did not! To simply do what they did from a normal human error seems exactly like many financial frauds out there the feds have cracked down on.

We will report what this outcome is, but right now, we have less insurnace at a higher premium and have wasted our time from work, etc. to get this stupid inspection done for no reason.

I am glad I saw this post by chance. I likewise have been a good standing policyholder of Geico for over 5 years myself. In fact, we sent both our older sons to Geico whom got their business too. But, this just occurred for us.

When I went online to Geico's website there was warning our policy was cancelled. So I called them, and they told me there was a payment lapse so they cancelled my policy. So I figured, as they blamed the mail and then us for being late, that since you prepay 30 days ahead, we could simply make this payment and that be that. No biggie. They then told me they would have to restart application all over again like I was a new person and go through a battery of details to evaluate what our new premiums would be, etc. Of course I got upset when I heard this as we had full comprehensive coverage on our 2002 Pontiac Grand Prix and were given a "preferred" rate which meant we paid approx. $900.00 yearly for said coverage.

My wife, who worked in insurance for some years tried to reason with them why all of a sudden, our payments were to go from approx. $900.00 yearly to nearly $1500.00 yearly nor for same coverage, same car, no damage or violations, etc.

Then they agreed to only give us basic liability for $500.00/6 months and told my wife we had to take the car to a local designated inspection station which we did. The man who could hardly speak 3 words said "I don't know nothin', and just look and report back to Geico". This guy walked around the car and did nothing more, and then told us we were good to go. This makes no sense.

All we know, is Geico told my wife, pending the results of the inspection, they would readjust our premium and give us back full comprehensive coverage whichw e had before- but declined to say it would be the same d**n rate we were paying previously. This all really stinks and my wife told Geico, she was contacting the Insurnace Commissioner of NC and that before she was done, we would have our same previous policy and coverage and at the same preferred rates we were paying months before.

What I do not understand, is how can Geico compare our car now to what it might have looked like months before to now gauge an insurnace adjustment? This makes no sense to us. Then,throughout our duration last week with Geico, our complaints and letters were responsed with "we will duly note this on your policy". But as Geico said, if we had no policy and it was canceleld, how could there be a policy then to note our complaints on???

Well, at this point, we have a new liability policy received in mail, and guess what? The d**n policy number on it is the same d**n p[olicy nhumber our previous full comprehensive coverage was for years! This makes no sense to us!

Anyone else out there experience this, because as I told Geico; I could understand if we had an accident that caused Geico losses, etc. but we did not! To simply do what they did from a normal human error seems exactly like many financial frauds out there the feds have cracked down on.

We will report what this outcome is, but right now, we have less insurnace at a higher premium and have wasted our time from work, etc. to get this stupid inspection done for no reason.

I am glad I saw this post by chance. I likewise have been a good standing policyholder of Geico for over 5 years myself. In fact, we sent both our older sons to Geico whom got their business too. But, this just occurred for us.

When I went online to Geico's website there was warning our policy was cancelled. So I called them, and they told me there was a payment lapse so they cancelled my policy. So I figured, as they blamed the mail and then us for being late, that since you prepay 30 days ahead, we could simply make this payment and that be that. No biggie. They then told me they would have to restart application all over again like I was a new person and go through a battery of details to evaluate what our new premiums would be, etc. Of course I got upset when I heard this as we had full comprehensive coverage on our 2002 Pontiac Grand Prix and were given a "preferred" rate which meant we paid approx. $900.00 yearly for said coverage.

My wife, who worked in insurance for some years tried to reason with them why all of a sudden, our payments were to go from approx. $900.00 yearly to nearly $1500.00 yearly nor for same coverage, same car, no damage or violations, etc.

Then they agreed to only give us basic liability for $500.00/6 months and told my wife we had to take the car to a local designated inspection station which we did. The man who could hardly speak 3 words said "I don't know nothin', and just look and report back to Geico". This guy walked around the car and did nothing more, and then told us we were good to go. This makes no sense.

All we know, is Geico told my wife, pending the results of the inspection, they would readjust our premium and give us back full comprehensive coverage whichw e had before- but declined to say it would be the same d**n rate we were paying previously. This all really stinks and my wife told Geico, she was contacting the Insurnace Commissioner of NC and that before she was done, we would have our same previous policy and coverage and at the same preferred rates we were paying months before.

What I do not understand, is how can Geico compare our car now to what it might have looked like months before to now gauge an insurnace adjustment? This makes no sense to us. Then,throughout our duration last week with Geico, our complaints and letters were responsed with "we will duly note this on your policy". But as Geico said, if we had no policy and it was canceleld, how could there be a policy then to note our complaints on???

Well, at this point, we have a new liability policy received in mail, and guess what? The d**n policy number on it is the same d**n p[olicy nhumber our previous full comprehensive coverage was for years! This makes no sense to us!

Anyone else out there experience this, because as I told Geico; I could understand if we had an accident that caused Geico losses, etc. but we did not! To simply do what they did from a normal human error seems exactly like many financial frauds out there the feds have cracked down on.

We will report what this outcome is, but right now, we have less insurnace at a higher premium and have wasted our time from work, etc. to get this stupid inspection done for no reason.

This case is finished. I have not renewed with GEICO. I have switched to a different insurance company. Some final observations:

When I first contacted GEICO about why my rates went up, I received the following response, and I quote: "We use rating territories, which are roughly based on zip code boundaries, and review the number of losses and cost of settling claims within these locations. Your rates have increased due to an increase in our claims loss experience in Las Vegas, NV 89115."

However,upon filing a complaint with the Nevada Dept of Insurance, I was told, and again I quote "GEICO has filed for and was granted a rate increase effective Sept.11, 2006. The rate increase was submitted based upon the insurer's experience in the state of Nevada.

GEICO deliberately tried to deceive me into the thinking the rate increase was based upon my zipcode. In actuality, it was based upon, and affects all drivers in the entire state of Nevada. The last time I checked, there are over 100 zipcodes in Nevada. You can't believe anything they tell you.

Oh, I do have some good news though...I just saved a ton of money by switching FROM GEICO.

With regard to gender, the reason it is used in some states but not others is that each state has perameters that insurance companies must follow. They are not uniform across the board.

Some states will allow you to use gender, some don't. Some states you can look at a person's occupation, and some you can't etc.


Hope that this helps

Daniel

Regardless of the reason, it is commonplace these days for insurance premiums to increase. There is nothing one can do about it. So, rather than squawking over something you have no control over, why not exercise your right to choose by changing insurance companies? With so many competitors out there vying for your business, it is basically a no-brainer that you can and will find a lower premium elsewhere.

the reason Nevada does not allow gender rates on insurance is they consider it "sex discrimination" and that would be a violation of the 1964 CRA. I suppose it really is just another form of discrimination, but one based completely, and totally on statistics (which we ALL know can be changed).

Good luck, I hope you find a great company to go with that is fair and accurate!

the reason Nevada does not allow gender rates on insurance is they consider it "sex discrimination" and that would be a violation of the 1964 CRA. I suppose it really is just another form of discrimination, but one based completely, and totally on statistics (which we ALL know can be changed).

Good luck, I hope you find a great company to go with that is fair and accurate!

the reason Nevada does not allow gender rates on insurance is they consider it "sex discrimination" and that would be a violation of the 1964 CRA. I suppose it really is just another form of discrimination, but one based completely, and totally on statistics (which we ALL know can be changed).

Good luck, I hope you find a great company to go with that is fair and accurate!

the reason Nevada does not allow gender rates on insurance is they consider it "sex discrimination" and that would be a violation of the 1964 CRA. I suppose it really is just another form of discrimination, but one based completely, and totally on statistics (which we ALL know can be changed).

Good luck, I hope you find a great company to go with that is fair and accurate!

David, you did not address why gender is allowed to be used in setting premiums in some states, but not mine. Also, I have not moved since taking out my policy with Geico. Since GEICO is so unflexible, I have every reason to part ways with them. Back in 2000, my then-fiancee and I took out a policy in California, and the agent gave us the rate for married people, even though we were not married at the time. We enjoyed her flexibility and stayed with her insurance company until our relationship dissolved.

It's all a moot point now. My present policy with GEICO expires Nov. 19, and I will not be renewing with them.

John, it's really sad that you would point out a typo or two because I tend to type fast and my keyboard is not the greatest.

I can tell you are really educated. Oh my god, my rate has changed. I am given a reason, but I just can't accept it. I think they must be lying and just want money. You need to grow up.

If you are going to point people out on typos, make sure you start using commas correctly and you probably want to reword your sentences instead of starting them with a conjunction.

Next time you wonder why your rates may be higher because you are not a woman, look up the word statistics. It makes for some great reading and you may be able to have someone help you understand what statistics have to do with insurance.

Had she been required to carry liability insurance, my repairs would have been paid for by her insurance company and I wouldn't have had to go through all that. Fortunately, I work at a law firm so the actual process was easy, but who knows if I'll ever see anything except her record for driving on a revoked license!

I do have underinsured and uninsured coverage, but I didn't want to put a claim into my insurance company for $1,000. I can see if it would've been a larger claim, but I don't want to see my rates go up for that.

If you are a very safe driver, you may be able to get away with just liability. However, I suggest going with uninsured/underinsured. That way, should someone hit you that does not have insurance, or does not have enough insurance, your insurance will cover your damages. Typically this coverage costs less than $15 a month and, in my opinion, it is so worth it.

For Christine, I know where you are coming from. When I was 17, I was hit by an uninsured driver (I had insurance...my momma would have killed me otherwise). I (actually my mother..I was 17) had to sue for damages. The women did not not pay up, so I got a lien (again that would be mom..I was underage). When she went to sell her car, I got paid. It is a pain in the butt, but again, when it comes to things like helmets, insurance, seatbelts, I wish our good ol' government would just keep their nose out of it. (Now..fyi..DUIs I still think should be illegal. That can hurt innocent people).

Anyway you look at it, insurance has gotten a little out of control. I think it sucks that if I drove right now, I would pay higher rates for an accident that was 4 years ago, and not my fault. I would also pay higher rates because after that accident, my license was suspended (short lived VERY stupid law in Washington that said if you were under 18 and in an accident regardless of fault your licesne was suspended) and I was never notified so I got pulled over driving on a suspended license. So I got a ticket (only to have that law revoked a short time later and licenses reinstated all across washington). But, alas, having been in Alaska for a bit I have not driven so I have not clue how bad insurance has become.

While I usually agree with your responses, I have to say that laws requiring people to have at the very least, liability insurance, is a good idea. I live in Wisconsin where there is no such law, and in a period of two weeks my car was hit twice in a parking lot. One driver had insurance and the claim was paid immediately. The other driver did not, and I had to sue to get damages. The chances of me ever collecting that money is slim to none. Fortunately in this state, if someone does not pay a judgment, the Department of Transportation can revoke that person's drivers license for a period of 20 years or until the judgment is paid in full, which is what happened in my case. Will I get paid? Who knows. Will she get busted for driving on a revoked? We'll have to wait and see.

In any case, I believe that people should be required to have liability insurance. Now the seatbelt laws, that's another story!! :)

Thank you Nicole,

You are the only one who has made sense to me during this ordeal.(And on a side note, I love your beautiful state of Alaska. I spent 2 weeks there this past August.)

Anyway, don't worry. MY Geico policy is paid up until Nov.19. I am searching many companies and after I find the right one I'll call Geico to cancel. At this point, I think my best bet is to go with liability only, and forget about collision and comprehensive. I paid cash for my car when I bought it, so there's no financing. That's where the insurance company makes the most profit and that's something I can have a say about.

According to the Nevada dept of Insurance, gender can play a role in determining rates in Nevada, even though it is not allowed in other states. I have been driving for 38 years and during that time have been in only one accident, when a guy ran a stop sign right in front of me and forced me off the road (obviously not my fault). So I would say I do not fit the male stereotype of an aggressive driver.

Thanks for your post.

First of all, you do not know for a fact if Geico charges you more for being single. If they do, it probably has to do with massive statistics that say, after a certain age, married people are more responsible than single people. Also, married people tend to have a higher combined income, and therefore will often be able to pay for damage without submitting a claim. This is not to say you cannot pay for damage, it is just what the statistics say.

As for being male. Males tend to be reckless more than females, statistically. They tend to drive faster and they tend to be careless when passing. They also follow closer and yeild less. True, many women multitask when driving (very dangerous) but more men submit accident claims for at fault accidents than women. Statistically, of course.

As for your zipcode. Zipcode rates are based on many, many things. Number of drivers in that area, zoning, number of people in the area, crime numbers, the list goes on. As these change yearly, so do rates for that zipcode.

None of these are illegal discrimination, because they are all based on research and all insurance companies use these factors. Did you know women actually pay higher rates than men until the age of 24 when women's rates drop (men's go down around 26). Again, statistics. Did you know professional people pay less than laborers?

There are a few things that insurance companies cannot base your rates on: your race, your income (directly - they can go by your career and your credit), disability, or any other protected class.

If you do not like it, and I can understand why you would not like it, try researching quotes from other companies. Maybe you will find a great deal. Just be sure to not cancel one insurance until the other one is in effect. You would not believe how strict that laws are getting about driving without insurance (which I totally disagree with...just like the seatbelt laws...let people be stupid if they want to). You can also reduce your insurance costs by adding anti theft devices, if you are a student and you get good grades, driving less (under 12,000 miles a year is ideal), not smoking, or getting a different (less sporty more family) car.

Good luck and I wish you the best with your insurance ventures!

No, I did not just move to a different address. That's just it.

I have been at the same address since I started my GEICO auto policy nearly 3 years ago. So why is it going up just now? Because they want to get away with anything and everything they can.

All of GEICO'S emails always say they "appreciate your business." How about showing it? Just saying it rings hollow.

Today I received a booklet from the Nevada Department of Insurance. Now I know I am being discriminated against in 3 ways. First for this silly zipcode thing. Second for being single; yeah I'm sure a married couple undergoing a messy divorce and being depressed makes for a more careful driver than me. And yes I knew about that one. Thirdly, for being male; females are given better rates in Nevada than males. Am I supposed to believe all these chatty Kathy's with their non-stop cell phoning while driving are better drivers than me? I've had plenty of close calls from inattentive drivers cell-phoning, both male and female. But the politicians won't do anything about it because they do the same thing. Why does the absence of a p***s supposed to make a more careful driver?

To this guy in GA who keeps defending GEICO: check your spelling. You keep saying "you" when you mean "your". You and the other GEICO people need to go back to school.

Please don't tell us that in all your time of being insured, you are just now finding out that location can have an effect on your rate.

If they had lowered your rate, would you be complaining. This is common with any insurance company, not just GEICO.

Did you just move to a new address?

I assume that they gave you a number to call because you e-mail probably said you will cancel if they can't do anything. Obviously, they couldn't do anything about it and we helping you fulfill your request.

You think insurance companies want to raise rates and have people look for other insurance. No, they don't. By insuring you, they are making money.

Your right about being penalized by others. That is what insurance is, just as you are paying your premium that will pay for someone who has an accident, the rest of us are paying our incase you have an accident.

Welcome to the world.