I should add that I didn't have any trouble with Geico including the time I bumped a woman who spoke no English and the time I backed into a schoolbus and half the kids leaped out claiming they had whiplash, even though the driver had to be told by the students that I had hit the bus. (I was starting to roll out of my driveway and the bus slowed abruptly. My left rear bumper tapped the rear of the bus. The bus had no marks; I broke a tail light.) Also, I've had great response from their road service.

Man, car insurance is so weird. Now that I actually have to get more than just liability coverage, I've checked the rates of most of the top companies, and Geico is by far the cheapest. It beats Progressive and Allstate by $100 and Esurance and 21st Century by $300. For the same coverage! It's so bizarre.

It's not bizarre at all. It depends on the covered pool of insured. If the other companies had more claims from their customers, then they'd feel the need to raise their rates across the board, and not just for individuals. Perhaps the Gecko is just insuring safer drivers. Or else he's working for a lot less than that smooth-voiced All State dude.

yes, yes you are. Only difference is that as soon as the situation began, you knew what was going to happen, as opposed to it being sprung on you

nods

See, I do think that any story that starts out with your protagonists having a hit put on them by God is clearly not going to be all hugs and puppies. Apparently this is surprising people, though.

shakes head.

(Mine is an evil laugh.)

If the other companies had more claims from their customers, then they'd feel the need to raise their rates across the board, and not just for individuals.

Ah, interesting.

Perhaps the Gecko is just insuring safer drivers.

That's actually a good guess, based on what I read earlier. Progressive appears to be more accommodating to strikes on your record; Geico may drive away anyone who isn't a safe driver by raising their rates too much.

Strangely, when I compare the breakdowns, it seems that Progressive has cheaper comprehensive/collision coverage but more expensive liability coverage. Somehow, the imbalance works out in Geico's favor. (Huh, wouldn't that support your theory that they would raise the rates across the board for a higher rate of claims?)

Or else he's working for a lot less than that smooth-voiced All State dude.

Well, geckos aren't unionized.

Well, geckos aren't unionized.

Also, the gecko has never been president.

Also, the gecko has never been president.

So far.

I have to say, I don't think I could ever buy Geico insurance because of the idiocy of their ads. I want my insurance company to be grown-ups, you know? Not a lizard and a cave man.

Possibly I am not in their advertising demographic.

A gecko once bit my sister. Also, I understand they are partial to carrots.

I have to say, I don't think I could ever buy Geico insurance because of the idiocy of their ads.

Ha, I love their ads. I used to say that when I finally had a car, I would get Geico just because of the ads. Of course, I discovered they were not the cheapest to insure my old-ass Sentra with minimal coverage, but they are, apparently, the cheapest to insure my new-ass Mazda6 with good coverage. State Farm, which is who I have now, gave me the most expensive online quote of all (I would probably get a lower rate if I actually asked an agent, but I can't imagine it would be as low as Geico's, if their base quote for a new customer is close to $400 higher).

Well, I've stopped feeling like I'm freezing while the room temperature's in the 70s and I'm under two blankets. Also, 6 rolaids and a bowl of bread pudding seems to be exactly what my upset stomach needed.

My car's insured through State Farm. I also have my renters insurance through them, and I get a discount for multiple accounts.