I really like that gecko GEICO (try saying that five times fast) uses in some of its ads - apparently so do millions of Americans who have switched to the cool insurance company that promises hassle-free, low cost service. But can GEICO really save you money on your car insurance? Well, that all depends on a three-digit number that is assigned to you by the credit scoring system that they use. Silly you, most of your life you've been told to stay under the speed limit, keep the amount of parking tickets you get to a minimum, and always avoid accidents and by doing all of the right things you'd have a good insurance rate. Right. Well...not exactly.

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