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trixiewutang t1_j6j34bi wrote

I’m a nobody person who’s around your age. The best thing I ever did was leave Geico and shop around other insurance carriers. Geico wanted to charge me 100% of my car payment as my insurance payment after 1 minor accident. (I would’ve been out $700 a month for my car)

Progressive (I’m not sure if they still do this) had a program where you insert a device on your car and they track how safely you drive (no hard stopping, no sudden fast acceleration) and if you drove well to their grading, they would increase or decrease your rates. Mine lowered, while my moms got worse so it’s not for everyone and you need to be really conscious driving. I pay $60 a month with a family plan and it goes lower almost every year, even when I had an accident in 2018 (with geico). Even without a family plan, I still suggest shopping around.

Start a new email for this cause you will get bombarded with emails. Shop around different insurance carriers. Get rates in emails and leave Geico. Geico will gouge you.

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electrowiz64 OP t1_j6j3bqm wrote

We’re moving in a year (out of state) so I’m trying to hold out another year to make sure I’m getting the BEST rates for us in the new area.

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trixiewutang t1_j6j4fsf wrote

Honestly, I wouldn’t wait on it. You could be putting those savings towards your move, friend! The “beauty” of capitalism is that if you don’t like a business, you can walk away and find one that works for you. Car insurance is set up like that, and Geico will keep charging you until you’re fed up and decide the annoyance of shopping around is worth it. Doing it twice could save you money, but maybe if you choose a national provider, they just need to update your info and wouldn’t change your payment? Not sure but worth a try.

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TyeDyeAmish t1_j6lo23z wrote

Why would you wait? That makes no sense.

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electrowiz64 OP t1_j6mtg32 wrote

I thought it’s an issue switching back & forth so frequently but I guess fuck it, I’ll start looking

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TyeDyeAmish t1_j6nqt9b wrote

Not at all. They want your money. They don’t care how much you switch to their company. I just switched last week. My car ins went from $152 a month to $87 a month. Now I bundled homeowners ins with my auto ins when I switched to State Farm but if I didn’t bundle it still woulda been only $104 a month. That’s for 2 people yet & we don’t have bare bones ins either, also have a $500 deductible so not too bad. The only real disadvantage to constant switching is it’s a slight pain to get stuff switched over.

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