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Why did my GEICO premium jump so much this year?

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cars821
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(@cars821)
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It’s wild how a tiny scrape can turn into a $2k repair just because of a busted sensor.

Seriously, it’s like every part of the car is now some high-tech gadget. I get that safety stuff is important, but man, my wallet disagrees. I’d rather have a cheap taillight than a “smart” one if it means I can actually afford to fix it.


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pets421
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I’d rather have a cheap taillight than a “smart” one if it means I can actually afford to fix it.

Right? I swear, every time I park at the grocery store, I’m just praying nobody taps my bumper. Used to be you could buff out a scratch and call it a day. Now it’s like, “Congrats, you’ve unlocked the $1,500 sensor replacement mini-game.” Who decided my taillight needed to be smarter than my phone?

I get that all these sensors are supposed to keep us safer, but does anyone else feel like they’re just expensive little landmines? My last car had a cracked headlight for two years and nobody cared. Now if a pebble hits my bumper, my dashboard lights up like a Christmas tree.

Is this why insurance keeps going up? Are we all just paying for each other’s fancy backup cameras and lane assist repairs? Sometimes I miss the days when “car trouble” meant your radio didn’t work, not your collision avoidance system having an existential crisis.


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swhiskers33
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Man, you nailed it—my last repair bill was basically a down payment on a used Civic. I love my car, but every time I see a shopping cart rolling my way, my wallet starts sweating. The tech is cool until you have to pay for it... then not so much.


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marioexplorer939
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I love my car, but every time I see a shopping cart rolling my way, my wallet starts sweating. The tech is cool until you have to pay for it... then not so much.

That’s the reality with newer cars—every little ding or sensor issue turns into a three-figure bill, minimum. I get why insurance companies are jacking up premiums. All this tech isn’t cheap to fix, and they’re footing the bill more often than not. Still, it feels like we’re getting squeezed from both ends: higher repair costs and higher premiums.

Out of curiosity, did your premium increase after a claim, or was it just the annual renewal? I’ve noticed that even with a clean record, rates keep creeping up. Feels like loyalty doesn’t count for much anymore. Maybe it’s just the cost of doing business these days... but at what point does it stop making sense to keep fixing and insuring these things?


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(@gandalfcamper9059)
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Feels like loyalty doesn’t count for much anymore.

Man, I feel that. Last year my rate jumped at renewal even though I hadn’t filed a claim in years. Called to ask why and all I got was “rising costs in your area.” Kinda makes you wonder if shopping around every year is the new normal.


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