Yeah, I hear you. Insurance of any sort is a racket. They're hoping everyone is too lazy to take 20 minutes to get a quote and switch over -- it doesn't matter how safe/good/reliable a driver you are, the rates always go up. Geico jacked up the rates on my SO as well -- she's got a Prius and a short school bus. Went from $110/mo to $197/mo. She is currently shopping around for better rates.