<p>StickerShock, I don't have Geico but I checked out anxiousmom's claim today by filling out an online quote. I listed my d. as a 10% driver on the car; I disclosed her fender-bender accident; and on the question where it asked if she was away at school and how far, I put 2900 miles. The quote that was returned was extremely low, about $50 less than I now pay with Farmers with my daughter completely removed from the policy -- so it could only have been calculated with d. removed from the equation. </p>
<p>There is no compelling reason for me to change right now, as my d. is not driving -- Farmers always let me add & remove the kids as they came and went -- and I didn't take the time to compare coverages, so that $50 differential might simply mean that I chose a different option for coverage amount (such as higher deductible) when I was filling out the form. But definitely I am going to look at Geico before my daughter returns home for winter break. </p>
<p>Insurance rates and offerings do vary from one state to the next, so I would suggest that you go to the Geico site and get an online quote -- and if you have questions, call their 800 number to talk with someone knowledgeable. But so far, from what I can see, anxiousmom's advice is correct -- I just wish I could see it specified somewhere in writing.</p>