This is so very interesting! Bank of America and Geico has gotten together and writes you an insurance quote, of course it is much much lower then you r paying at the moment, mine went down drastically, like 800 a year, deductables went from collision: 500 down to 50, comp: 0, yes the BIG 0!! I was thrilled as both my husband and I have clean driving records, not even a parking ticket, nice cars, and of course you could imagine how shocked we were! Well give it 6 months people!! LOL. After my 6 month policy came in for renewal it was way back up there again!! except higher do to the coverage i got as it was much cheaper!! so they wind you in the first time around with their cheap insurance rates, then go up drastically on you, people don't have the time to go around looking for the best policy as everyones lifes are soooo busy! I think i'm going to open up a business called "Things the NEED 2 b DONE"!! Insured, Bonded and save people money which will pay for my services!! Can it get better then that? Is there any more ways that Bank of America can take money and scam people into more legal scams? "Although they sound Legal, but they are not!" Jonathan what can we do to stop this gimmick? I mean when Geico takes on your insurance, after you get off the phone you wonder "Hmmmk, it took that quick, am I really covered? LOL. Cheap Price, Coverage which is unbelieveable!! Also, New Jersey has the highest rates of Insurance around!! Did you know if you pass an Ice Cream Truck you will get 4 points on your licence? 4 POINTS!!!! I mean for an ice-cream truck you could be waiting a whole half-hour!! That is the law, it's worse then passing a school bus!! So Kudo's to you BOA and Geico, BOA has anothing one sucking on their a** to get both their businesses going! oh, did i mention to you that you must have a BOA Checking Account so they can take your funds out Automatically so your never late?? Good going BOA!! Of couse they charge you! I don't do Online Banking as we have been fraud victimes 3 x's i refush to do it, but you have to SIGN UP FOR IT ON LINE you are not allowed to go into the office to sign up for it!! Get that! Oh well, such as life and the world of scammers! Johanthan again, thank you for any answers you can give me! Also, another financial question, Capital One once they found my son was deployed to Iraq, they upted his Int. Rate to 28%, it's a Government Law that NO BANK can up any miltary families interst rate to above 6% while in the armed forces they do NOT HAVE TO BE DEPLOYED!!! CAPITAL ONE CHARGED MY SON OVER 1000.00 IN INTEREST, MADE DEARGATORY REMARKS ON HIS REPORT WHEN HE WASN'T HERE TO FIGHT IT AS HE WAS IN IRAQ!! YOU CAN BE SURE THIS WILL BE TAKEN CARE OF WHEN HE GETS BACK!!! THEY ALSO TOLD ME I WASN'T ALLOWED TO PAY ON HIS ACCOUNT!! AGAINST THE LAW!!! THANK YOU FOR LISTENING AND IF YOU COULD HELP ME WITH WHAT KIND OF ATTORNEY/ATTORIES I NEED FOR THE ABOVE, PLEASE LET ME KNOW....I WOULD APPRECIATE IT SO VRY MUCH!! RESPECFULY, Nancy Gillette P.S. Oh one more thing!! How can they insure a car in NJ (which i believe is a law) withough it getting inspected? I believe if the car does not pass inspectionthe seller has to fix it j