I'm gonna make love to the geico lizard

WOW, such hostility. SOMETHING to complain about? I am pointing out the fact that GEICO is not perfect. Yes, maybe you save some money, but not always $500+/ year. I saved about $200 a year compared to others.

I have never had a claim with GEICO and frankly, I am concerned that when the day comes when my car gets wrecked, I will get fucked over by them for some B.S. stipulation.

AND, they can charge less, b/c they are a primarily electronic document, internet based company with significantly less overhead than your neighborhood insurance agent. Atleast with the local insurance agent you can drive down the street and punch him in the dick if he tries to fuck you over, versus having to attempt to verbally bitch slap someone over the phone…