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This is definitely a well educated group on this board .... I do this for a living and the responses here are right on ...
Matt ... one other report that gets ran by the Carriers in NY is a clue report which gives them all of your past claim history, who lives in the household, etc.
I’m not a fan of Geico at all but then again I am an independent agent and geico is a direct market.
I have some different beliefs such as having a Carrier long term will have its advantages especially once you have a claim or two ... as a broker we can get on the phone with a Carrier and get them to reconsider non renewals and rate increases in some cases depending the type of policy
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