Has anyone had their Geico premium suddenly jump after switching from pay in full to monthly payments? I changed the billing method thinking it would just add a small fee but then got a new declaration with a much higher rate of 25% increase. Support says it was unrelated and just part of a regular rate adjustment but the timing feels off. I didn’t change anything else in my policy and my neighbors didn’t see any increase. Curious if others experienced this or if it’s worth escalating.

Proud owner of a 2013 prius for about a year now. During memorial day weekend, my catalytic concerter was stolen while i was parked in Brooklyn. Got a police report, filed a claim with geico, and got it fixed after a couple weeks ($500 out of pocket cost for deductible) This morning when parked in a pretty good neighborhood on Long Island, turned on the car and heard the hellcat noise. Made my stomach sink, worst feeling ever. I'm now contemplating what to do. I'm sure in NYS, any decent fix would run me at least $1,500, likely much more. The last fix receipt showed $3,200 just for parts. But I'm afraid to file a big claim twice in such a short time span. Will my insurance consider non renewal or flag me as a risky driver? I'm pretty new to having my own auto insurance, any help or suggestions are welcome. Can't really afford anything beyond $500 right now😓 The way people go around doing this type of stuff is sickening. Makes me so upset lol

I recently got into a car accident where I was rear-ended. The only damages were to my bumper and trunk. Geico gave me $2,000 to start repairs and said the shop could request more money if needed. I decided to take my car to Mercedes so dealer parts would be used. Mercedes told me they’d handle everything, but for two weeks I heard nothing from them or Geico. Then Geico called and said my car would be a total loss because Mercedes’ estimate was $9,671, which they said was above the 75% threshold. Geico valued my 2017 Mercedes C300 at $12,636. I did my own evaluation, adding in features/options Geico left out and $5,200 worth of maintenance I’d just done a week before the accident. After I sent my report, Geico updated the value to $15,453. At that value, the repair cost is clearly under the 75% threshold. Instead of changing the decision, Geico switched it from a “construction loss” to a “financial loss” and still marked it as salvage. Meanwhile, Mercedes had already taken my car apart without telling me, which caused storage fees to pile up, around $6,000. I was told the fees would only be waived if I fixed my car with them, which basically left me with no choice. What made me upset is that Geico ended up paying Mercedes about $7,700 for the initial estimate and storage fees, instead of just approving the $9,671 to fix the car. When I finally got my car back, it was still disassembled, with the bumper and parts thrown inside. Mercedes didn’t even bother to put it back together after being paid thousands of dollars. Given my car’s updated value, the repair cost is way below the 75% threshold, so how is it still being considered a total loss? I even asked if I could take it to a different shop for another estimate (since Mercedes is more expensive), and was told no. This whole process feels really unfair, and I don’t understand why my car is being treated as a total loss when it shouldn’t be.

Hi all, Just got my car back from a shop. Took over a month after multiple supplements and back and forth between geico and the shop. Geico ended up being $1000 short still from what the shop wanted and I ended up paying out of pocket to get my car back. Geico said they would not reimburse me (when I brought it up), however after some research and speaking with some on reddit and the shop, they state geico will reimburse me bc of my policy with them. Can anyone provide any insight or guidance in how to proceed if this is true? Thank you

I’ve been a Geico customer for probably 15 years. I think I paid $60 a payment when I signed with them, the latest new rate almost $200. I moved recently to Queens, NY which they say boosted the cost but this increase is insane. I haven’t had a speeding ticket in decades. Any companies offer better rates!?

I was At a stop and some lady came up speeding to turn on where I was. When the police came she told them that she didnt see me and that a i blew the horn but she was too late. She hit my car and i had to pay 2,000 dóllar to fix my car. The police say we were both At fault but i told him i never move from the stop and that i was going to make a right turn when I saw her but i never was able to move. He made us both guilty. A few month later i revive a letter from geico saying i own them like 10,000. Will this kill my credit score? I dont have that money to pay. I have check my credit and i see nothing but am afraid they will put on my credit soon or later. Its being months already. It was back in january.

So when I bought my first car under my parents insurance I was paying them $200 a month. I had one minor accident, no speeding tickets however I did have window tint tickets I forgot to pay after I sold the car shortly after. Not paying those caused my license to be suspended so I applied for quotes and got crazy responses like $1100 a month from geico. I see ppl here suggest insurance brokers often as a last resort so that’s what I did. Got 2 diff quotes of $411 and $398. Since I had already bought the car and needed insurance asap I took it. But my question is do I really have to pay 50% of the cars value in insurance annually? Is this really my life from now on? Or will it be a bit better now that I’ve unsuspended my license CAR IS A 2012 ACURA TL SH AWD btw Location: NY 25yo male TL;DR: Bought expensive $400 insurance when my license was suspended. Can I get cheap insurance since I unsuspended it 2 days later? Or not because of my one minor accident 3 years ago

After a bad summer hailstorm, The ill-informed adjuster totaled my wife's and my only car. It was cosmetic damage only. Car still ran like a top. The adjuster who was not from my state( Texas). Said he "thought" the law in my state was the same as his (Florida). NOT! Now Geico is taking the car because we did not want a "salvage title." So we had to ante up for a different car. I would sue them and have a lousy chance of winning a case. We have been insured by Geico for 20 years. They treated us like a pile of crap. Plus our house was fairly heavily damaged in the same storm (a tornadic microburst.) I have already changed to a different company on the new car. It has been a 6-week long ordeal with the claims process. Pain in arse! Stay away from these crooks! The adjuster was wrong on the law in my state. filed a report with the state insurance regulator. Geico cost us $25K for a replacement car for something comparable to our total loss. Of course, they are not paying us anything near that amount. We were happy with our old car which gave us 50000 trouble-free miles over 10 years.

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

Location: Inland Empire, CA Date of accident: 07/09 @10:30am This is my first car accident ever and I need help. I have a 2012 honda civic coupe and I was driving from one traffic light to the next staying in the right about to turn right at the next light into a shopping complex. There was a car speeding at the first traffic light in the lane closest to the left turning lane (there was only 4 lanes; 2 turning, 2 middle going straight) which I noticed and decided to keep some distance. Before I got to the second light, I was passing a gas station and I gave a quick glance to see the entrance in which I was about to turn into and next thing I know I get hit on my driver side. We pull into the gas station and exchange information. Come to find out he 20yr marine driving gov vehicle apparently he wasn’t supposed to be driving. I call the police and they said they would not come because there was no injuries to me or my mom or the other folks in the other car. As of right now I have emotional trauma and anxiety whenever I get on the road again. My adrenaline was so heightened I wouldn’t even have noticed if there was an injuries. His recruiter pulls up and says he would take the fault instead and that way less damage to them. I said as long as I’m taken care of with the right amount for my car I don’t care (this might have been a mistake and said in heightened anxiety and panic so please let me know if I was wrong, I gave a report with my insurance saying it was the recruiter already so :/ if so can I fix it?). I was okay knowing i might be able to drive my car a few miles back to the house but less than a quarter mile and the car started smoking so we had to get it towed. My front driver tire is tilted inward and my bumper and fender faced real damages. My panic and anxiety starts setting in real bad so first though obviously reach out to my insurance. I have GEICO (come to find out I don’t have collision coverage which is a factor I entrusted to my dad but story for a different day) and they have GSA (they are with USMC). My insurance already said I’m not at fault but can’t do much for me right now (they can reimburse a rental though). The people involved said they filed a report with GSA (implying I hit them which I figured but the footage says otherwise) and I’m going to put a claim in to GSA but I’m just waiting to get a quote on the damages. I’m told this process is going to be long and brutal so I could use all the help I can get. People are saying get a lawyer and some are saying don’t get one and I don’t know how to navigate that. My car is old so it’s only worth a little (170k over a decade old with a salvaged title with some issues like AC and wheel bearing) and it doesn’t make sense to me to put whatever money I get into it when I can put it for a new car. This is my first car so I’ve been super emotional and I have been stressed through this process as I feel like I’m navigating it mainly alone. I have also missed a few days of work because I don’t have a vehicle to get there. Any advice and help would be greatly appreciated. I’ll need all the help I can get. I have footage I can provide as well of the accident.