I was renewing my motorcycle insurance with GEICO today, and just out of curiosity asked for a quote on my bus. It came back less than half what I am paying Liberty Mutual. I quizzed the guy about how this is possible, and he said they discount heavily based on number of days per year of usage. (I have only about 60 days usage per year.)

My feeling is that you get what you pay for, but the coverages offered seem to be about the same. Does anybody have any claims experience with GEICO coverage on their bus? Thanks.