I have a motorcycle policy with GEICO, but I'm thinking about changing it because my friends also have GEICO and seem to pay a lot less than me. While I know there are certain variables that can change the price you're quoted, there don't seem to be variables that can explain the large difference between our quotes. As a long-term GEICO customer, I feel like the company should offer me a better quote on my motorcycle insurance than they currently do. Thus, I decided to call and see what they could do for me.
Sometimes when you talk to a real person, you can get some wiggle room versus playing with a computerized quote. If I threatened not to renew my policy, I thought they might offer me a better one, as well. Now, I know GEICO is a big company offering millions of insurance policies to drivers and homeowners across the U.S., so I didn't expect to get to a representative quickly. As such, I was pleasantly surprised when it only took about 5 minutes to talk to a customer service agent. The main problem I had was navigating through the directory.
When I first called, a voice assistant picked up the phone and said, "Thank you for calling the GEICO motorcycle and RV division. This call may be monitored or recorded for quality purposes. Are you calling about a quote for a new motorcycle policy?" I answered no since I already have an insurance policy, and it responded, "I can guide you to a representative with just a little more information, what are you calling about?" I replied, "I want to talk about my current motorcycle policy," and it seemed to miss everything I said, and instead asked if I was calling about my home or auto insurance policy. I repeated the same thing again, and this time it moved forward by asking for my birth date.
The problem was, it didn't get my birth date the first two times around, and I ended up entering it on the keypad. Then I had the same problem with my phone number. This wasn't enough for the voice assistant, who then asked for my policy number which I didn't have available at the time. At least when I told it I didn't know my policy number it just moved on by saying, "I’ll get you connected to an insurance agent."
After this point, I had to listen to a long speech about privacy and then sat on a hold line for about 5 minutes. The agent was a delight to talk to, was very helpful, ran down my policy and suggested a few things that might make it more affordable.