I had bought a used vehicle (03 Explorer) back in September 08. As most of us do when we buy a vehicle we shopped around for rates, as the current insurance I had at that time charged me 148.00 monthly, and I wanted to see what else could be done. I am 24 with no dings on my record of anykind. After checking with all the major (Allstate, State Farm, Progressive, Farmers etc) we stumbled to GEICO. I recieved a monthly rate of 111.07 from them, while others where upwards of 170.00 with not having the same coverage (higher deductibles, lower bodily/property/uninsured coverage). They allow 6 month billing w/o inflated upfront costs. It was a no brainer.