GEICO stands for Government Employees Insurance Business That truly doesn't have anything to do with this piece, but is anecdotally fascinating.

I just got my revised insurance info from the lizard auto insurance firm ('the cut rate insurance firm' the 'fifteen minutes insurance organization' or any of the other dig names which competitors take out on them) and I was not happy My wife and I have been accident totally free for some time now No moving violations, no points, no incidents, no expired meters, no cutting off old ladies at the service station We have largely been extremely excellent drivers, for all the driving we do.So when I got the email the other day about our policy renewal, I was quite excited I had figured we had made a pretty substantial dent in our admittedly reasonable insurance policy We still have a loan out on our vehicle which is Titanic-style underwater (ours is a three year old automobile with 110,000 miles) and we're anxious to get ahead of these things.Our plans have often been to retire our little remaining plastic debt and then tackle the vehicle head on The reality that our policy is up for renewal and we haven't had any incidents in a number of cycles should really mean that our policy will go down, correct?Well…No.Our policy truly went up by some two or 3 dollars per payment (with five payments the added quantity is some thing like $13.00 total) Still, that bugged me.So as I've performed since my earliest days of being fed up with a teething ring and wanting my bottle, I spoke up about it I emailed GEICO and essentially said, what's going on The generally vigilant Gecko was fast to get back in touch with me This is the truncated version of what he said:…You do have a impressive driving record and your policy did not change due to the fact of the way you drive Appropriate now on your policy you are receiving our 5 year great driver discount which is saving you $66.10 each and every 6 months on your premium Your renewal policy reflects a statewide rate revision As with all insurance corporations, GEICO periodically reviews its loss statistics to decide if our rates are adequate to cover the cost of claims The outcomes of our analysis indicated that it was needed to boost our premium levels Insurance organizations regularly reevaluate their rates in the light of economic conditions and the driving record of the insuring public In this way, we are able to understand the purpose of insurance – the equal distribution of the losses quantity the insuring public All insurers use this principle We appreciate the time you have been insured with GEICO We regret that it is needed to boost your rates due to the overall loss experience in your state Please be assured that we share your concern over the rising cost of insurance and are performing every thing we can to maintain our rates as low as feasible.So I hope I'm reading that correct, since that sounds to me like socialized auto insurance I mean, the way GEICO tells it, whatever I do with any insurance business as a driver doesn't matter mainly because of the risk of what could occur I don't want to begrudge the Gecko, but I don't want to be responsible for the poor decisions of strangers I didn't get in that accident, I didn't total my automobile, I didn't sideswipe some strangers parked automobile; an individual else did.When did we all get so comfortable together in the tremendous large bed of auto insurance If you can't call that socialism, you could as well call it communism .