Geico is so huge I expected their customer service to be an absolute shitshow. Then I totaled my car, and they were actually helpful and easy to work with. I remain shocked to this day, and I’m still 90% convinced it was a fluke.

Geico seems to do a good job at auto insurance. But like everybody, they try to get you to also sign up for other insurance, and it appears all other insurance under their banner is actually from random other companies that aren't run by them or seamlessly integrated with their systems. And furthermore, their partners seem to be only interested in the association so they can overcharge, more than making up for any multi-line discount.

Tip, Geico will give you an 8 percent discount for owning shares of Berkshire Hathaway.

Do you just let the customer rep know?

Probably a joke from a bored Allstate agent.