I did have Geico as my insurance agent several years prior to my call, but dropped them for another company who's rates were better. I only called Geico to see if they had lowered their rates in recent years. Do they have the right to access my credit report? I'm sure when I applied for insurance with them several years ago that I authorized them at that time, but does this authorization extend for your entire lifetime? I told the agent in very definite terms that I only wanted a quote. Anyone have this same experience?