Jump to content
Sign in to follow this  
NotworkSte

Geico car insurance

32 posts in this topic

Recommended Posts

Not sure if this has been covered before, tried a search and didn't see it...

My wife and I have just got into a big row with Geico over a policy they have when covering new resident drivers. This is the first I have heard of this so I am not sure if it is new or whether it was "buried" in the small print and we missed it, or whether we've been taken for a ride...

Our monthly renewal came in, for both of us, and it was more than a car payment a month in itself, so we called them and their policy is, for new drivers, they jack the premium as if the license had points. It doesn't matter how many years of driving somewhere else you may have had, they adjust the premium as if you were a new driver and just got 2 points. These 2 points doubled the premium.

Has anyone else encountered this?


USCIS & NVC

05-04-09 - Married

09-05-09 - I130 Approved (CSC)

12-09-09 - Case Completed (NVC)

01-08-10 - Approved (LND)

01-20-10 - PoE PHL

I-751

01-10-12 - Filed I-751, VT Service Center

01-17-12 - NOA1

02-08-12 - Biometrics at Alexandria, Va

10-04-12 - RFE

11-16-12 - Sent additional evidence (5.5lbs of evidence!)

12-04-12 - Approved

12-10-12 - Card arrived

Share this post


Link to post
Share on other sites

Not sure if this has been covered before, tried a search and didn't see it...

My wife and I have just got into a big row with Geico over a policy they have when covering new resident drivers. This is the first I have heard of this so I am not sure if it is new or whether it was "buried" in the small print and we missed it, or whether we've been taken for a ride...

Our monthly renewal came in, for both of us, and it was more than a car payment a month in itself, so we called them and their policy is, for new drivers, they jack the premium as if the license had points. It doesn't matter how many years of driving somewhere else you may have had, they adjust the premium as if you were a new driver and just got 2 points. These 2 points doubled the premium.

Has anyone else encountered this?

We were with Geico and yes, Geico (and other insurers) jack the premiums up for foreign licence holders. We switched insurers recently to Progressive, and while the premiums are a lot less than Geico, there is still a "penalty" because of my UK licence. In fact in the driver details section online I am listed as having a driving violation!! It would be great if insurance companies recognised foreign driving experience and didn't penalise us as much, but I can see why they don't. There are hundreds of different national licences, all with varying standards of driving. Who is to say just because I have a UK licence my driving is "better' than someone from a different country? I guess the upshot is - get a US licence (sorry - license) as quick as you can and watch those premiums come down!


~~~~~~~~~~~~ Bren & Ian & Matthew ~~~~~~~~~~~~~~

04/05/2008 Met Online

06/30/2008 Ian visited Bren in US for 8 days

09/25/2008 Bren visited Ian in Scotland for six months

12/24/2008 We got engaged!

02/26/2009 We found out we are expecting a baby!!!

05/28/2009 Ian came to visit Bren in US for 8 days

10/07/2009 Baby Matthew born

01/25/2010 We got married!!!!

~~~~~~~~~~~~ AOS ~~~~~~~~~~~~~

12/29/2009 POE Phoenix Sky Harbor Airport

01/25/2010 Married

02/22/2010 SSN Received

03/18/2010 Appt with CS for I-693

03/18/2010 Mailed I-485, I-765, I-131

03/21/2010 AOS Package Delivered

03/29/2010 NOA1 email and text received for I-485, I-765 & I-131

04/01/2010 Hardcopies NOA1 received

04/21/2010 Biometrics letter received (scheduled 05/14/2010)

05/14/2010 Biometrics taken

05/15/2010 Touch on I-485 & I-765 (biometrics)

05/17/2010 Touch I-485 & I-765

05/20/2010 Letter received for interview

05/28/2010 I-131 & I-765 approved

06/04/2010 AP received in mail & EAD card production ordered

06/10/2010 EAD card received

06/25/2010 Interview (APPROVED!! YAYYY)

06/30/2010 Welcome to USA letter received

07/10/2010 Green Card Received!!!

04/30/2012 Removal of Conditions sent

11/13/2012 10 year Green Card received - no more USCIS until citizenship!!!!

scotland.gifusa.gif

Share this post


Link to post
Share on other sites

I guess the upshot is - get a US licence (sorry - license) as quick as you can and watch those premiums come down!

The point is... I have got a Florida license. I called them today and the fact I have one makes no difference at all to the premium.

Needless to say, we're shopping around now to see if given this Geico is still competitive.


USCIS & NVC

05-04-09 - Married

09-05-09 - I130 Approved (CSC)

12-09-09 - Case Completed (NVC)

01-08-10 - Approved (LND)

01-20-10 - PoE PHL

I-751

01-10-12 - Filed I-751, VT Service Center

01-17-12 - NOA1

02-08-12 - Biometrics at Alexandria, Va

10-04-12 - RFE

11-16-12 - Sent additional evidence (5.5lbs of evidence!)

12-04-12 - Approved

12-10-12 - Card arrived

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: Ecuador
Timeline

We have one car that's covered by State Farm, and another by Amica. Neither up-jacked us.

While we're here (and NOT intending to derail or trivialize this thread), exactly what region of (?) England does the Geico gecko (on the Geico commercials) sound like he's from?


06-04-2007 = TSC stamps postal return-receipt for I-129f.

06-11-2007 = NOA1 date (unknown to me).

07-20-2007 = Phoned Immigration Officer; got WAC#; where's NOA1?

09-25-2007 = Touch (first-ever).

09-28-2007 = NOA1, 23 days after their 45-day promise to send it (grrrr).

10-20 & 11-14-2007 = Phoned ImmOffs; "still pending."

12-11-2007 = 180 days; file is "between workstations, may be early Jan."; touches 12/11 & 12/12.

12-18-2007 = Call; file is with Division 9 ofcr. (bckgrnd check); e-prompt to shake it; touch.

12-19-2007 = NOA2 by e-mail & web, dated 12-18-07 (187 days; 201 per VJ); in mail 12/24/07.

01-09-2008 = File from USCIS to NVC, 1-4-08; NVC creates file, 1/15/08; to consulate 1/16/08.

01-23-2008 = Consulate gets file; outdated Packet 4 mailed to fiancee 1/27/08; rec'd 3/3/08.

04-29-2008 = Fiancee's 4-min. consular interview, 8:30 a.m.; much evidence brought but not allowed to be presented (consul: "More proof! Second interview! Bring your fiance!").

05-05-2008 = Infuriating $12 call to non-English-speaking consulate appointment-setter.

05-06-2008 = Better $12 call to English-speaker; "joint" interview date 6/30/08 (my selection).

06-30-2008 = Stokes Interrogations w/Ecuadorian (not USC); "wait 2 weeks; we'll mail her."

07-2008 = Daily calls to DOS: "currently processing"; 8/05 = Phoned consulate, got Section Chief; wrote him.

08-07-08 = E-mail from consulate, promising to issue visa "as soon as we get her passport" (on 8/12, per DHL).

08-27-08 = Phoned consulate (they "couldn't find" our file); visa DHL'd 8/28; in hand 9/1; through POE on 10/9 with NO hassles(!).

Share this post


Link to post
Share on other sites

While we're here (and NOT intending to derail or trivialize this thread), exactly what region of (?) England does the Geico gecko (on the Geico commercials) sound like he's from?

Cockney

We use GEICO - Karin has the same/similar experience with premiums when she first got coverage - new driver blah blah blah - never mind she's been driving in Germany for years. At any rate, the premiums have since reduced to normal levels after she was here/covered for 1 year. Now they're the cheapest out there (for us).

Share this post


Link to post
Share on other sites

Lucky it's not Glaswegian "nae car insurance? git it rite here ken? gud prices n'aw" or Geordie....

Drifting further OT from my own thread, the best insurance adverts ever are the Aleksandr Orlov character for comparethemarket.com / comparethemeerkat.com. Genius.


USCIS & NVC

05-04-09 - Married

09-05-09 - I130 Approved (CSC)

12-09-09 - Case Completed (NVC)

01-08-10 - Approved (LND)

01-20-10 - PoE PHL

I-751

01-10-12 - Filed I-751, VT Service Center

01-17-12 - NOA1

02-08-12 - Biometrics at Alexandria, Va

10-04-12 - RFE

11-16-12 - Sent additional evidence (5.5lbs of evidence!)

12-04-12 - Approved

12-10-12 - Card arrived

Share this post


Link to post
Share on other sites

We had Geico as well - despite my driving license from home country (5+ years of driving) - was treated as a brand new driver. We switched to USAA (military insurance) and they had no problems accepting my length of driving history. Over 50% savings over Geico.


ROC 2009
Naturalization 2010

Share this post


Link to post
Share on other sites

I'm going to add a "spoiler" for NotworkSte. I know several contractors who work at Geico's Bethesda HQ who insure with other co's--all of them have said that Geico is the worst-clobbering quote they get.

My own personal experience with Geico in 1997, when I lived in Dallas: I called them to get a rate, and they quoted me one that was more than my monthly rent (for apartment, at that time about $500); same criteria for State Farm, I got a quote which was about 20% of my monthly rent.


2005/07/10 I-129F filed for Pras

2005/11/07 I-129F approved, forwarded to NVC--to Chennai Consulate 2005/11/14

2005/12/02 Packet-3 received from Chennai

2005/12/21 Visa Interview Date

2006/04/04 Pras' entry into US at DTW

2006/04/15 Church Wedding at Novi (Detroit suburb), MI

2006/05/01 AOS Packet (I-485/I-131/I-765) filed at Chicago

2006/08/23 AP and EAD approved. Two down, 1.5 to go

2006/10/13 Pras' I-485 interview--APPROVED!

2006/10/27 Pras' conditional GC arrives -- .5 to go (2 yrs to Conditions Removal)

2008/07/21 I-751 (conditions removal) filed

2008/08/22 I-751 biometrics completed

2009/06/18 I-751 approved

2009/07/03 10-year GC received; last 0.5 done!

2009/07/23 Pras files N-400

2009/11/16 My 46TH birthday, Pras N-400 approved

2010/03/18 Pras' swear-in

---------------------------------------------------------------------

As long as the LORD's beside me, I don't care if this road ever ends.

Share this post


Link to post
Share on other sites

Bruce and I have been with Geico since September 2007. He had nearly 20 years' experience in the UK, and I had no US licence and only a learner's permit in the UK. We were clobbered to begin with, but after 2 and a half years they have the lowest rate we can find -- I recently did a comparison. Since we were both new drivers as far as they were concerned, we had to prove ourselves. 30 months on with no citations and no claims, we have a decent rate. Once I've had a US licence for 5 years (Jesus, that'll be 2013) I'll be eligible for a much lower rate on my Mustang through specialist collectors' car insurance. Currently the 'Stang is the most expensive, but once I move it over it will be something like $125 a year.


larissa-lima-says-who-is-against-the-que

Share this post


Link to post
Share on other sites

Some leg work by my lovely wife... and we have a winner! Progressive were half the price of Geico.


USCIS & NVC

05-04-09 - Married

09-05-09 - I130 Approved (CSC)

12-09-09 - Case Completed (NVC)

01-08-10 - Approved (LND)

01-20-10 - PoE PHL

I-751

01-10-12 - Filed I-751, VT Service Center

01-17-12 - NOA1

02-08-12 - Biometrics at Alexandria, Va

10-04-12 - RFE

11-16-12 - Sent additional evidence (5.5lbs of evidence!)

12-04-12 - Approved

12-10-12 - Card arrived

Share this post


Link to post
Share on other sites
Filed: K-1 Visa Country: United Kingdom
Timeline

Lucky it's not Glaswegian "nae car insurance? git it rite here ken? gud prices n'aw" or Geordie....

Drifting further OT from my own thread, the best insurance adverts ever are the Aleksandr Orlov character for comparethemarket.com / comparethemeerkat.com. Genius.

Found you L&BP man! Loved the Glaswegian - as we say here, "you're a pure laugh"!

Back to business - you all talk about how HUGE the quotes are, would anyone mind actually giving me a ball park figure of what we are talking for a British license?

To my horror, having had a clean license for 20 years, I've just got 3 points for speeding - great timing on my part. So, the insurance thing in the states is now of great interest to me. I could kick myself. (NotworkSte - to give you a bit of reminiscence, I got caught by the "revenue generating" cameras up at Sighthill).

Share this post


Link to post
Share on other sites

Found you L&BP man! Loved the Glaswegian - as we say here, "you're a pure laugh"!

Back to business - you all talk about how HUGE the quotes are, would anyone mind actually giving me a ball park figure of what we are talking for a British license?

To my horror, having had a clean license for 20 years, I've just got 3 points for speeding - great timing on my part. So, the insurance thing in the states is now of great interest to me. I could kick myself. (NotworkSte - to give you a bit of reminiscence, I got caught by the "revenue generating" cameras up at Sighthill).

C and my quote was around $400ish from Geico, just under $250 a month with Progressive. Both of us and 2 cars. Geico didn't really care whether I had a Fl license or not, they actually started insuring me on my UK license intil I took the test a couple of weeks later.

And I hear you on the points, I got caught fracturing the speed limit on the M74 a few months before moving. First points in about 10 years! The only good thing about Sighthill is the biscuit factory :)


USCIS & NVC

05-04-09 - Married

09-05-09 - I130 Approved (CSC)

12-09-09 - Case Completed (NVC)

01-08-10 - Approved (LND)

01-20-10 - PoE PHL

I-751

01-10-12 - Filed I-751, VT Service Center

01-17-12 - NOA1

02-08-12 - Biometrics at Alexandria, Va

10-04-12 - RFE

11-16-12 - Sent additional evidence (5.5lbs of evidence!)

12-04-12 - Approved

12-10-12 - Card arrived

Share this post


Link to post
Share on other sites
Filed: K-1 Visa Country: United Kingdom
Timeline

C and my quote was around $400ish from Geico, just under $250 a month with Progressive.

Yikes!

The only good thing about Sighthill is the biscuit factory :)

:rofl: That is soooo true! £2 for a massive bag!

Share this post


Link to post
Share on other sites

Back to business - you all talk about how HUGE the quotes are, would anyone mind actually giving me a ball park figure of what we are talking for a British license?

We were $83/month with Geico (2 drivers/1 car). This was with me on my UK licence and Bren with her AZ licence. Progressive are $53/month.


~~~~~~~~~~~~ Bren & Ian & Matthew ~~~~~~~~~~~~~~

04/05/2008 Met Online

06/30/2008 Ian visited Bren in US for 8 days

09/25/2008 Bren visited Ian in Scotland for six months

12/24/2008 We got engaged!

02/26/2009 We found out we are expecting a baby!!!

05/28/2009 Ian came to visit Bren in US for 8 days

10/07/2009 Baby Matthew born

01/25/2010 We got married!!!!

~~~~~~~~~~~~ AOS ~~~~~~~~~~~~~

12/29/2009 POE Phoenix Sky Harbor Airport

01/25/2010 Married

02/22/2010 SSN Received

03/18/2010 Appt with CS for I-693

03/18/2010 Mailed I-485, I-765, I-131

03/21/2010 AOS Package Delivered

03/29/2010 NOA1 email and text received for I-485, I-765 & I-131

04/01/2010 Hardcopies NOA1 received

04/21/2010 Biometrics letter received (scheduled 05/14/2010)

05/14/2010 Biometrics taken

05/15/2010 Touch on I-485 & I-765 (biometrics)

05/17/2010 Touch I-485 & I-765

05/20/2010 Letter received for interview

05/28/2010 I-131 & I-765 approved

06/04/2010 AP received in mail & EAD card production ordered

06/10/2010 EAD card received

06/25/2010 Interview (APPROVED!! YAYYY)

06/30/2010 Welcome to USA letter received

07/10/2010 Green Card Received!!!

04/30/2012 Removal of Conditions sent

11/13/2012 10 year Green Card received - no more USCIS until citizenship!!!!

scotland.gifusa.gif

Share this post


Link to post
Share on other sites
Filed: K-1 Visa Country: United Kingdom
Timeline

We were $83/month with Geico (2 drivers/1 car). This was with me on my UK licence and Bren with her AZ licence. Progressive are $53/month.

Very helpful. Thank you. Real figures for me to work with. So much more expensive than the UK, this topic has been an eye opener!

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...