I talked to my insurance agent. She sold me a renters policy. When I received the bill today, I immediately called her. She is with State Farm, and quoted me $364.27 every six months, which offers things that I don't have on my current Geico policy. That is about what I was paying Geico in April when my policy renewed. I emailed Geico and they told me my rates raised based on claims in my area, which I know is total BS. My question is: At what point will State Farm peak at my credit report? Is it better to go through a local agent vs a 1-800#? I am so pissed at Geico right now. If State Farm can guarantee me the cheaper rate I will cancel Geico today. I don't want them to use FICO to determine my rates. But if they use Equifax, or Trans Union I will get their best rates. If they use Experian (Which everyone seems to use because there is a local affilate in Western PA) I am screwed. Any suggestions?