My car insurance rates are too high! Not anymore thanks to Geico!

Close Encounters of the Cheap Kind has a new home at www.CheapEncounters.com!

As Americans we are the target of a full-on assault from a yuppie caveman with a chip on his shoulder, whiny 50s-era dolls, and a cute little gecko who talks with an Australian accent. Unless you have been living in a cave, you surely have seen the numerous advertisements for Geico Auto Insurance, promising that in 15 minutes you can save 15% or more on car insurance. And if you are like me, you have always ignored the ads.

Well, I got sprung into action when I added our 2007 Honda Accord to our existing policy with Allstate. These greedy bastards wanted more for coverage on this vehicle than they did on my big 2007 Honda Pilot SUV, which is worth probably $10,000 more than the Accord. And that is with having one of the vehicles as a pleasure vehicle! In all, Allstate wanted $807 for full coverage for six months on our two vehicles. Seeing as my wife and I are relatively low risk (no tickets, no accidents, college-educated professionals, good credit scores, over 25 and married), decided to shop it around with Liberty Mutual and Geico. I chose these two because they have special arrangements with professional organizations I belong to.

Using the Texas Society of CPAs rate, Liberty Mutual came back higher than Allstate. So it was on to Geico, and using the Institute of Internal Auditors rate, they quoted us at $616 every six months with a higher level of coverage. Even taking into account the 15% discount I get on my Allstate homeowners insurance, this is a huge difference. Needless to say I switched and me and the gecko are now good friends.

This is my honest experience. I have no affiliation with Geico, no advertising banners for them, no employment relationship, nothing. I don’t even own Berkshire Hathaway (Geico’s parent company) stock, although I’d like to. This is just to share my experience and remind you if you haven’t shopped your car insurance in a while, you could be missing out on significant savings.

Now to see if they take away the multi-policy discount on my Allstate homeowners policy for the remainder of the policy term…


September 24, 2007 - Posted by | Automotive, Insurance | , ,


  1. I have been a loyal GEICO policyholder for about 6 years, and they’ve always been the lowest rate for me. Progressive and Allstate come back two to three hundred dollars higher. This probably has something to do with my having “less than perfect” credit, but GEICO wrote me on preferred rates (not “take it mr. slave” county mutual sheets) years ago and has never seen fit to change that arrangement. Their service has been awesome as well, even when I made an UI/UM claim.

    Comment by wes m | October 3, 2007

  2. my site have some tips how to get cheap car insurance…come and visit me today!
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    Comment by Hijau-Expert In Cheap Car Insurance | December 4, 2007

  3. I have always thought Geico was a wonderful company but I now have some major concerns. Why would a company like Geico sponsor a talk show like Mike Savage’s. Savage is one of the worst hate-mongers I’ve ever heard. He speaks of hate toward Muslims, homosexuals, and stated on Martin Luther King day that civil rights is just a racket to strip white men of their birthright. Geico, if you want to do business with our wonderful mix of Americans, you need to stop sponsoring this hate monger. Let America know that you won’t contribute to this kind of vicious behavior against our fellow Americans.

    Comment by Jan | January 17, 2008

  4. Sheesh! Just because a man doesn’t adhere to the rules of political correctness he is a hate-monger? It assumes me how you liberals who are supposedly so open-minded are the first to criticize someone for exercising their right to free speech!

    The only color I care about is green, and Geico helps me save more of it. I don’t really care if they buy ad time on Savage or anywhere else for that matter.

    Comment by billyoceanseleven | January 18, 2008

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