# Let's talk insurance v. Geico **URL:** \ **Category:** NYSpeed Automotive\ **Created:** [December 15, 2010, 12:14pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226 "2010-12-15T12:14:57Z")\ **Posts on this page:** 7\ **Page:** 4
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [January 27, 2011, 12:22pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/61 "2011-01-27T12:22:35Z")
FYI for future reference, when you get a telephone quote from GEICO Auto they will generally NOT run your MVR (drivers record) and Credit (underwriting factor) until after you agree to buy. Why? Because this costs them money. Them saving money is one big factor in how they offer lower rates. If your credit is shot, or you have an Adam Beck like driving record, this’ll change the quote. Otherwise it’ll generally be the same or lower. Also, when another insurer (i.e. your current carrier) tries to quote / match / or generrally beat a GEICO quote you should make sure that the other insurer is not trying to cut your coverages to state minimums. GEICO Generally recommends / quotes with 100/300 Liability, 50k property damage, etc… as opposed to 25/50 and 10k (NYS minimums), because you should be properly covered. Sersiously, what is 10k going to cover if you careen into someones house? Lastly, there is are a large number of reasons as to why GEICO is the 3rd largest auto insurer in the nation… similarly there are a number of reasons why Buffett repeatedly praises GEICO as one of his best investments to date. Just sayin. No, i do not work for GEICO Auto. ---------- Post added at 03:22 PM ---------- Previous post was at 03:18 PM ---------- > [@evane](#): > > Speaking of allstate since i stopped the auto policy they jacked my homeowners insurance up. I need to look at what Geico can do for me there. I may also look at a auto/home owners under MetLife since Blue Cross Blue Shield employee’s gets a bulk discount rate with them Alot of companies offer LARGE rate discounts for bundling home & auto / umbrella / powersports / etc. GEICO generally offers ~3% i believe (plus all the military, organizations, yadda yadda)… I personally know allstate offers upto a 25% discount on homeowners for having auto with them… Think about that for a second: They can afford to cut 25% of your home premium IF you have another policy with them. Why can’t they simply charge you saaay 15-20% less off the bat? This is why GEICOs discount is lower. I personally have the maximum discounts applied to my GEICO auto policy (been with em for ~9 years), when I brought my homeowners there I got another 2.5ish % off the auto. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [January 27, 2011, 12:31pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/62 "2011-01-27T12:31:55Z")
Holy shit, the return of Nikuk! ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [January 27, 2011, 12:33pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/63 "2011-01-27T12:33:37Z")
just passin through the PM system, saw something I could give relevant input on… moving right along now. :nothing to see here: ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [January 27, 2011, 12:37pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/64 "2011-01-27T12:37:37Z")
Aww… stay a while. Once you install adblock plus and ezlist, then right click the annoying banners and do a custom block the new nyspeed isn’t that bad. 🙂 ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [January 27, 2011, 2:32pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/65 "2011-01-27T14:32:15Z")
☹ Stay! ---
**Author:** ![Beck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/beck/32/28683_2.png) [@Beck](https://forums.speedlife.net/u/Beck)\ **Post date:** [January 30, 2011, 10:01am UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/66 "2011-01-30T10:01:06Z")
I resent that “Adam Beck driving record” statement. I have one speeding ticket in 8 years. 😛 ---
**Author:** ![silverionus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/silverionus/32/5301_2.png) [@silverionus](https://forums.speedlife.net/u/silverionus)\ **Post date:** [January 30, 2011, 9:52pm UTC](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226/67 "2011-01-30T21:52:09Z")
no, they knew of my accidents, i was with them for years. [Previous page](https://forums.speedlife.net/t/lets-talk-insurance-v-geico/207226.md?page=3)