Complaint Review: Geico Auto

On Tuesday 6/28/17 I went to Geico's internet site and proceeded to put together an auto policy that included both collision and comprehensive, I crunched about 20 different quotes down to a final quote of $68.63 monthly, based upon a perfect driving record, or rather what should have been a perfect driving record. When I went to pay the first month using my credit card the process went on for some time, and then I was prompted with a we have updated your premium notice, which took the $68.63 and twisted into 92.87! When prompted it listed several tickets from back in the 1980's and very early 1990's, all well outside of the ten year legal mandate.

Naturally I called them by phone, where an agent immediately went about the business of a so-called update of their system, she proudly reported Geico chooses only to go back 3 & 5 years for driving record searches, which was of course curious as they had just gone back 29 years and 25 years respectively on mine to arrive at their updated quote of 92.87 which only materialized at the very last moment, literally as I was attempting to pay the Original Quote of $68.63. After congratulating her and Geico for the magnamany of only performing 3/5 year checks, I alterted the agent that the ten year search requirement is not a suggestion, its a legal mandate!!! In other words it would be civilly criminal of Geico to have done what indeed, they had just done to me.

At this point the agent went digging into my record and found the following, a ticket for a seat belt in my home state of WI for $10.00 in 2014 and an incident in 2015/16 where I had been rear ended on the freeway by another driver who had been driving recklassly and absent insurance, he had to be pulled over by a WI State Trooper, otherwise he was fleeing the scene. After proudly unearthing these two "err" incidents(the accident was even included in my original application with them)she announced that the premium payment of $92.87 was still the new, and best quote!