Okay, this may be a little long My insurance is up next month, and to renew it with Allstate, it's going to cost $793 for six months. I got a quote from Geico and the rep quoted me $224 for six months. The thing is, the rep asked if I got into any accidents in the past 5 years, and did not tell them about one. If I go with Geico, will they find out? And if they do will I be screwed and lose my insurance? Anyway, let me tell you my "accident" history: First Accident: 2-3 years ago, this lady sideswiped me. She hit me. but when the cops show, she said I hit her. No witnesses, so we got our insurance involved and because there was no way of proving who was telling the truth, Her insurance took care of her, and mines took care of my damage. Second Accident: Last October or Novemeber. My car was parked on the street. I was in the house, nowhere near my car. Some guy hit it and ran away. No witnesses. I told my insurance, they paid for it. And my friggin insurance rate went up. From $450 for FULL coverage, to $793 for partial coverage (they're not paying for my car if it gets damaged). Third Accident: 2 weeks ago. My car was parked at the same spot as the last time (In front of my girlfriends house) and the car get's hit again. But this time my alarm went off, and came running out to see the guy down the street running away. The bastards lived accross the street so I yelled at them, got the cops involved, and his insurance paid for my damages. I did not mention this to my insurance. So, when I called the Geico rep, I told him about the second and third accident, but not the first. Should I mention it when he calls me back, or just don't mention it and see if they'll find out. $500 is a lot of money.