This is an old forsaken thread, but since the OP was referring Geico to everyone because of their low rates, I thought I would chime in. I moved from USAA to Geico 1 1/2 years ago because they undercut my USAA rate for my limited by $600 with lower deductibles. I had heard rumblings about how Geico is cheap until you get into an accident, but I was saving $100 a month and wasn't too worried. Well fast forward 1 year after I start with Geico, I was in an at-fault accident in my Mercedes C55 in which I rear ended someone in stop and go traffic at 10mph. Because of the design of the C55 the "rear ender" impacted the engine and Geico totaled the car. I received a more than fair settlement (more $ than I paid for the Mercedes). However, today I received the letter from Geico - they are dropping me. My Dad once had Geico and told me to expect this. Unfortunately, now I am relegated to the "high-risk" category having been dropped.

I previously had a policy with Geico General Insurance (which is one of the Geico affiliates for low risk drivers) and paid $600 for a 6 month premium for full coverage on my SRT6 and basic coverage on my 99 Wrangler.

Geico did offer me a new policy through one of its high risk affilates, Geico Indemnity Company, for $1000 for a 6 month premium for the same coverage. All in all, this isn't horrible considering what I am being quoted by some of the other insurers out there.

Just wanted to share my story in case someone is considering switching to Geico. Less: Geico is cheap, just don't get in an accident.