I Just Saved a Bunch of Money on my Car Insurance by Switching to Geico

No, it's true, I really really did. K here's the scoop - and it's much better than ice cream: We have been using Met Life for our auto insurance for as long as we've been married, and Kim has been using it since well before that time, for about eight years to date. We have clean records, have only ever been in one accident for which we were not at fault (100% not at fault - hit from behind at a stop light), and the only claim that we ever made aside from the accident was because our vehicles suffered the wrath of Hurricane Charley in 2004, so the claim covered all of the scratches. Almost everyone in Southwest Florida made a claim, it's not like we were the only ones. Now, this may seem ignorant, but considering we have a legal obligation to have insurance, and that we pay a ridiculous portion of our salary to have it - doesn't it make a whole lot of sense that when something happens, our insurance company (read: the company we pay a ton of money to in the case that something happens) should help us foot the costs for reparation? Further, doesn't it make a lot of sense that in the cases where the something is not our fault, that it should not affect our payments? Well, not such is the case with Met Life. When we lived in Florida, we paid less than $1000 for good coverage, I think around $850 or so. They were a good company and took very, very good care of us, so I will not discount that. Then we moved to Georgia, and our rates suddenly shot up to $1755 for six months of coverage - $3510 a year to be insured - more than our car payment - $292.50 a month - stupid. When I asked a sales rep why the fees were so high, her response was that we had been in three accidents. Three accidents? But didn't you say just one?! Yes, yes I did. ONE accident, and TWO hurricane scratched cars - none our fault, but which caused our rates to more than double. So what did I do? I got an online quote from Geico, and called to verify it: less than $750 for six months. Talked it over with my wife, re-verified our Met Life rates to make sure there wasn't an error, and then within a half hour we were Geico customers. I will be canceling our Met Life policy tonight, with a few other words thrown in to make the phone call exciting. Sorry Met Life, we liked you while we had you, but for now, we just can't justify spending an extra $2100 or so a year just to be insured.