My husband and I were insured with Geico for almost 20 years. We had our first accident a few months back and they had to pay for a replacement for the wrecked vehicle about 2700.00 minus the 500.00 deductable. Then when pulling out of a store, another truck hit us in the back and even though Geico was investigating this as a fraud case, they had originally paid him 300.00, just so they could close the case. In so doing this, it went against our insurance, even though we called and informed Geico of the incident, stating we were not at fault, and the agent at Geico clearly said not to worry, our rates would not go up and they woould check into the incident, Geico still paid the 300.00 and because of this they decided to raise our insurance rates from around 600.00 every six months to almost 2700.00 every six months. Geico is not allowed to drop you, unless they pay out more in claims on you, than you have actually paid in your premiums over the length of time you have been insured with their company, but you are not protected from the highest premiums they can charge you. I had heard lots of horror stories about Geico doing this to customers, but because we had never had any problems with Geico, I chose to stay with them. I wish now I had taken all those people for their word, as to what they were complaining about in regards to Geico, because Geico got us listed as a high risk and no one wants to actually look at the circumstances about our claims and we are stuck paying extremely high premiums with the absolute least amount of coverage for our vehicles. Once you are listed as a high risk, you are stuck with those high premiums for at least 3 years and if you get any kind of citation or ticket or accident of any kind, refardless of fault, you can be dropped and black listed again. I beg any one who reads this to please just think before you get your insurance through Geico. You can also go to a website called LexisNexis, which is where most of the insurance companies go to get reports on consumers and this is how they make most of their decisions, to charge you the rates they chose for you. If you go to the website, you are entitled to get one free full disclosure file on yourself, once a year, as required by law, they have to give it to you. It shows your credit report, your employment history and driving record. The report is free and I think everyone should know what is in their reports. I learned of this site through a friend of mine, whom just started selling auto insurance. Anyway, I just wanted to let anyone reading this about my experience with Geico and how I had ignored what others had to say about Geico and I ultimately paid the price for not listening. One more thing, even if you are in an accident, which is clearly not your fault and even though the other driver is ticketed, the incident has to be reported to your insurance company because the police were involved, do not think this does not effect your premiums, because it does. There is a scoring system in place which the insurance companies use and everything you do drops your score. Now, get this, if you move into a home and the address of this new home is listed from the previous owners as being the address of drivers, who happen to have a really bad driving record, you loose points for this, because they only see that address as the address associated with the bad driver and since they have no way of knowing, even with all this technology, that you are not just living their with those people, they consider that a high risk. You know why? Because that person might still be living there and might possibly be driving your vehicle. Now that is a real kick in the backside. Anything to be able to get more money from you and throw you into a high risk category, so if you drop your present insurance company and go to another company, they can look at your score and that is all she wrote. My credit rating is very high, so believe me when I say, they do not just go by your credit score. Your credit score is only a small part of what they use to decide the amount of your premiums. There is a website which has hundreds of items which the insurance companies, as well as other businesses, such as employers and landlords, use to determine, the rates they charge you for premiums, if you get hired for the job, or if you are suitable to be a tenant. However, I am not sure of the exact website, which as everything that effects your score, and it may have been a link from the website LexisNexis, but I am pretty sure, if you type it into a search engine, you might be able to find it. I do apologize for not having that site available. Anyway, if by my posting this complaint, I am able to help even one person from making the same mistake I did, by not listening to the advice on Geico, then I am thankful that it helped you. I just do not understand how our world has become so greedy with money, that people are just numbers and that big companies, such as Geico's actions can cause so much hardship on the customers, and it not make any difference to them. We are just people, who are not given any considerations for circumstances, like it was 30 years ago, when people were good for their word and trust was very important, when it was attached to a name. Good luck everyone.