GEICO Insurance After 1 YEAR - Worth Keeping? 

Is the General good?

@@bgc3864 no clue

im 43 and going to Community College to learn to fix those repairs myself - it suxz.

Yea it’s sad how little they care

Like I said it's like a bad marriage, the longer you are in it the worse it gets...lol

michael8117 i like to ignore market prices and inflation too when i make stupid comments

I'm surprised you haven't put through the ringer yet.. The magic number it seems is "4 issues with in 5 years" (regardless of fault), they base certain things from just making a claim.. Hell just windshield claims alone is a whole nother thing, the lawsuits filed in just that just blows my mind, all over some glass..

Which insurance did u go for?

Which insurance did you get

Geico doubled my insurance, when my husband passed away, adding insult to injury..I had been with them twenty years (with near perfect everything)and so I got mad and I shopped around and found Allstate online. They were half the price... But now allstate is doing the same thing: after six years with them, they are always trying to inch the premiums up... MeanwhileI got an email from GEICO that they were giving a covid-19 discount of 15% for old and new policies...when I made the call they are beside themselves trying to get my business to the tune of a fraction of what I'm paying... Half...but should I take the bait, since they have a chart on me already and are probably waiting to bite me in the ass as soon as they know they have me right where they want me? I don't know what to do but my friends are cautioning me...

I only checked their rates compared to my current AAA with the exact same coverage and Geico was $400 more expensive

what state are you in?

You see we are all existing in a weird parallel universe, on these insurance rates... You can have no problem at all and you know what the insurance company will say to you : " well we have to increase your rate because you're due for an accudent" or how about, the one time in 25 years that you left your policy due to no fault of your own and now you're an irresponsible person?

ANJANYA AYNAJNA IF your police lapses it is your fault. Idk why you think the insurance company is at fault for not having your bill paid on time.

@@slicklizardchamp go fuck yourself that is something you wouldn't say face to face you scared lil rat.

Tim Inman just like you wouldn’t tell me to go fuck myself face to face , you gotta do it on a RU-vid comment lol

Yea I did know that but why bother if the price is that high?

I agree, you must break it down line by line.. I don't use rental insurance through Geico.. use ALLSTATE.. TRAVELERS is EXPENSIVE as is AAA !!

HaZeyhM who cares, lame

The shirts his call for help, all the doorknobs are gone

Glad it helped!!!

Your videos are good!

Chuck Nardone hey idiot fyi no state is the same when it comes to rates. I hope someone took out life insurance on you?

That's not a scam. Different zipcodes and depending on the area in which you live it can affect the rate. One insurance may pay less in a particular area then another insurance company, depending on the claims in the area..

@@fullaggro432 Yep. Many people try what we call "rate evaders." They will live in say Brooklyn in New York but claim they live in North Carolina and even register the car there. When they file a claim and get caught by the insurance company for fraud they get hit with a surcharge and a rate increase. They complain about the higher rates but what they fail to realize is that if you are in a certain area the odds are great that you will have an accident so we have to charge you more.

coupon user wth as a licensed insurance agent what you just posted made me face palm so hard. Credit can be used you are correct but only in certain states. In ca where I sell insurance we CANNOT use credit whatsoever. For credit used for.auto insurance it is NOT based on how much debt you have or income. The correlation between credit and auto insurance is that we have found that statistically people with lower credit scores tend to file MORE claims than someone who pays there bills on time and have excellent credit scores thus the people with lower credit scores pay more for insurance.

You are correct, that CA does not allow it. And I believe MA as well. But most other states do allow this kind of price optimization. And, the above facts I mentioned were originally provided by Consumer Reports when it did its own in-depth study. Also, a Progressive Marketing representative posted on a message board that this kind of practice is justified in determining rates, and her company has extensive data to prove it.

What coverage was it for though? It if it was full coverage that's not too bad. Do you have more than one driver in your household?

I always wonder how they do their math obviously they are not college, or maybe they're just so damn smart that they know how to con people by the sound of their voice?

Lair ... $200 X6 =$1200 No way , bs

@@cryptoanalysts5793 Lair or liar? I pay only a little over $100 a month for full coverage which includes the rental coverage as well. It some parts of the country $200 a month is not unheard of based on how many drivers, where you live, type of coverage, type of vehicle, etc.

littlesongbird1 I pay $59 a month2 cars and 2 driver with clean driving records ... South Carolina

Good info and I agree. That was my experience with them as well and I am no longer with them

@@Gjeebs Thank you and just to be clear I do work in the industry but that's what my perspective. I have noticed on more recent claims that they are trying to go over coverage and filing options with their customers more.

Do you still pay that three years later?

this literally just happened to me this month.

I don’t miss being a kid. My 2020 GTI costs me $55 a month with mechanical breakdown. My 2017 ZX10R is $32 lol. I’m 38 and married though, but I feel you man my insurance was ridiculous when I was that age.

I have nothing on my record but my rates go up every time I renew. What is your point?

The algorithm owns us

Yea it’s a game and it’s bullshit

Geico told me they do a soft credit check. WTF they judge so much, every little thing about you can go against you... You do better in a casino then buying insurance for your car...

It’s all of them dude. They all suck and all raise prices. Unfortunately we just have to constantly shop around

Yea you gotta shop it every six months

Wife got in an accident a little over a year ago :(

Gjeebs well if it wasn’t her fault she would still get the good driver discount and you would still get an afd discount if you were wreck free. If you both drive separate vehicles of course.

My health insurance has decreased year over year and with subscription services for TV yes that has also decreased :)

I "had" Geico they increased my price for shit that I opted out of and charged me for their service within 6 months. They lied to me over the phone & emails. Charged me an extra "We wanted to let you know we have not received the signed option form required by state law to confirm the coverage options you selected" and charged me an *extra* $50.30 for this. I called them 4 xs & told them that I wanted to opt out of it and that I needed them to send me the information via email & mail. I had already paid in full them terrible, disorganized, blames the customer for their terrible service. They increased my monthly payments by $20. Insurance is a scam. I wonder who Geico is a sister / brother of? Geico is fishy to me.

@madison green i cancelled all insurance now I don't deal with it any more forced to be a scammer instead :(. Oh well i am a better person because of it! Fuck insurance!

Thank you!

Here's the thing, if that's true then the rate should be too high for any one in California to rebuild on the same mountain that just had a mud slide or forest fire! Or that guy in Florida who keeps rebuilding on the same beach his house gets destroyed on every two years Did I miss the news story that said if you go to Florida you won't find any houses on the beach, cause the insurance is so high no one can afford it.

@@theodorejames4387 You realize based on certain locations of your homes insurance can be denied? If you knew anything about insurance, you would know LA state has one of the highest insurance rates simply because of hurricane Katrina. Also home insurance is much much different than auto, they also deny coverage all the time based on people's locations and homes. So every danger you're speaking about would fall under a comprehensive claim, and comprehensive coverage can cost more because of those scenarios, if it's even applicable to being a possible coverage. So I'm not sure your point with that reply. Matter fact I'm not even sure that attempt of an analogy was relevant to anything I even said, especially when the video and my statement is directly related to auto insurance.

@@fullaggro432 I'm not sure why you have a problem with my comment. I'm basically agreeing with you, and my point is relevant to your video because weather it's cars or homes, insurance still works the same way. You also agree with my comment because you replied "you know they can deny you based on your zip code which is exactly what I said! A Zip code that constantly has mud slides, fires, which seams to be happening every year in California, the insurance should be too high or denied. Katrina was a once in a lifetime event, before Katrina no one even knew what New Orleans or Louisiana was, and it's 15 years later and there's hasn't been another Katrina. But there has been a lot of mud slides and forest fires since Katrina! You ask the question in your video, why would your insurance be high or going up and basically I'm answering you by saying because the insurance industry is greedy. Remember they're in the business of risk, and their risk isn't that high cause they take the money you pay them and invest it for huge profits. They just figured if they keep raising premiums, and deny as many claims as they can the more money they get to keep! Also, keep in mind how this affects all of us. 70% of all jobs in the US are retail jobs! That's a lot of minimum wage workers getting priced out of insurance coverage, which means more uninsured motorists which the insurance company use as one of the excuses why the rate is so high, but by artificially raising rates, they're the one that's perpetuating this vicious cycle and we are paying for it. I don't need alcohol and tobacco, and there's no law that says I have to have alcohol and tobacco, so if they wanna charge an arm and a leg for them, no problem. But don't pass a law that says we must have insurance, and don't regulate how much they can charge us! Don't feel sorry for the insurance industry, they're not going broke! They just want record profits. I'm your insurance company and I'm raising your rate because your neighbor on the left just had a wreck. Whoa, I'm raising your rate again cause your neighbors on the right just had a wreck! That's your point how insurance works. My point is just your neighbors rate should go up not yours or mines.

@@fullaggro432 And to make my point about how crooked the insurance companies are, I had home and auto with the same company. They were charging me $3859 a year for homeowners and $3300 a year for 2 autos. Our driving record is clean and we are old and have never made a claim! So how do you pay almost the same premium to cover $40k worth of cars as you pay to cover 300k worth of home! Can you explain that one? The only variables I see is greed on a criminal level. And of course I'm changing insurance companies.

efuass what company are you with? Im in Utah as well. Also looking forward to that negotiating video as well.

efuass If you're going for 2017 st3 then good luck. The most they will bring off the price is the incentives that they're running which could be as much as 5k off. Which isn't bad. Some people had luck with getting more off, but it all depends on how long they been sitting on the lot. So you will most likely be paying 27k out the door. I just bought an 2017 St a month ago and already having problems with the gear box and Ford acting like they can't find the issue. Just letting you know just in case this becomes a common issue on the 2017. I know a lot of people are having problems with their customer service lately including me. I'm most likely getting rid of my ST and looking in the GTI.

I'm with Bear River. Good to know about the 2017 model. I'm still stuck in a lease for another year so I'd hope to buy the 2018 model or even 2019 model if it's available around this time next year. Yeah narrowed down looking at buying an ST or a GTI. Both have their pros and cons but I still have a year to think about it. BTW, the insurance quote is for full coverage not just liability if anybody thought that.

Crazy how cheap that is. Awesome cars too

They all do

That's great and most likely it's because your a customer. If you were not a customer and had claims, good luck in ever getting paid by them.

Hahaha yea I would call around for sure

Thank you as well for sharing!

Yea the games they play are unreal

What?! What cars are you insuring?

Gjeebs he probably has a bad driving record

damn, sounds like insuring a brand new German car in detroit. The rates there are the highest.

They also don't always explain options to their customers. I had a claim once where my drivers' (I work for a different insurance company) car was stolen and car thief rear ended a GEICO customer and took off. GEICO knew the car had been reported stolen before the loss but didn't bother to explain to their customer that no coverage was available from us as a result but that he could use his uninsured motorist coverage. I explained it their customer who was very upset at first but once we finished up was very happy. I called GEICO while I was on the phone with them and sent them over the police report that confirmed our car was reported stolen before the accident and the employee there admitted they had noted in their file that my insured told them it was stolen but didn't bother to try to obtain the report confirming that or explain coverage to their customer because, "Well he wasn't at fault for the accident." I had them open up his uninsured motorist coverage for him and he called me the next day to thank me and to tell he had had gotten a quote from my carrier and decided, "Once the repairs are done with my vehicle I am switching to you guys because you actually helped me when I was not even your customer."

You hit a fixed object which means you are 100% liable so they can collect what they paid out (if another driver had hit you and you got their insurance information GEICO can go after their insurance to recover what they paid out). Do you know what your total costs were for fixing your car?

@@littlesongbird1 I think it was a torne rubber from a tire or small construction cone, that probably fell of a truck. They approved the payment of close to 4( to get my car fixed. I got insurance now from mercury and kept my old payment

@@armandoramirez9206 Good for you.

I am not. It is paid off

@@Gjeebs Is It required where you live or do you have it because you want that coverage?

That’s what everyone has been saying. I never got to experience it because they wouldn’t insure my anymore because of my job. Their prices are the best but it sounds like support it terrible

Seems to be the consensus

My driving record is slightly less than exceptional. I was an idiot when I was your age. I'm still an idiot but not when I drive.

hahaha "I'm still an idiot but not when I drive"

Lol 😂 I’m 23 and buy a new 2018 Toyota Camry se have the same cover that he mention and I only pay $236.34 per month

andre Falconer nothing funny about paying $236 per month something is wrong there dude.

Send an email to rgbgfive@gmail.com

Hahaha you gotta watch your daily breathing out there

Yea it varies per person. I am with State Farm now because they are cheapest for my situation

I "had" Geico they increased my price for shit that I opted out of and charged me for their service within 6 months. They lied to me over the phone & emails. Charged me an extra "We wanted to let you know we have not received the signed option form required by state law to confirm the coverage options you selected" and charged me an extra $50.30 for this. I called them 4 xs & told them that I wanted to opt out of it and that I needed them to send me the information via email & mail. I had already paid in full them terrible, disorganized, blames the customer for their terrible service. They increased my monthly payments by $20. Insurance is a scam. I wonder who Geico is a sister / brother of? Geico is fishy to me.

​@@JesusGodHolySpirit3 You honestly no nothing about insurance and didn't listen clearly to a single service rep, you can't simply ask someone to opt out of a option form you're required by your state law to sign, or electronically sign off on through geico.com

@@fullaggro432 you don't know what I'm speaking of because if you did you wouldn't have commented :(