What should I do if my car was entered incorrectly by the sales rep?
I recently purchased Geico insurance over the phone, as I’m an 18-year-old transitioning off my parents’ policy. I’ve been driving for about 16 months and just got my first car— a 2018 Dodge Challenger SXT. The sales rep gave me a surprisingly good rate, but when I checked my policy today, I noticed it’s listed as a Chrysler 300 with a different VIN. When I tried to correct it, the new rate increased my premium by $2,000, which I can’t afford. What are my options?
It sounds like a frustrating situation, but don’t worry—there are steps you can take to address this issue with Geico.
Contact Geico ASAP: Call Geico’s customer service or the phone number provided in your policy documents. Explain the situation clearly—that there was a mistake with the vehicle information.
Provide Documentation: Have the details of your actual car ready, including the VIN number, make, model, and any other relevant information. If you can, also have proof of the purchase of your Dodge Challenger.
Request a Correction: Ask them to correct the error in the policy and clarify that the misunderstanding was on their end. Since you received a quote for a different vehicle, emphasize that you should not be penalized for this mistake.
Ask About Discounts: While you’re on the line, inquire if there are any discounts or options to lower your premium that you may have overlooked.
Review Your Policy: If they make the correction, ensure you receive and review a new copy of your policy for accuracy before it goes into effect.
Consider Other Options: If Geico cannot provide a reasonable solution, it might be worth shopping around for quotes from other insurance providers. Sometimes different companies will offer better rates for the same coverage.
Document Everything: Keep notes of your conversations, including dates, times, and names of the representatives you speak with. This might be helpful if further verification is needed down the line.
Don’t hesitate to advocate for yourself, mistakes happen, and they should help you get this sorted out!