For teak, if you end your policy early you will receive a prorated refund based on the amount of premium you have already payed. As for you others, you should call in about your policy and have an agent take a look into it for you, might be some discounts your not using anymore or the way we have you using your vehical could be much higher then you are using it now.
GEICO is actually one of the best companys right now in regards to your rate before and after an accident, we have three company placements and multiple levels within each company so if something did happen were able to adjust the rate, where as other companys will go so far as just non renewing you. Its also importent to remember that right now the whole industry is going through a stage of rate increases, and GEICO is the only one that has actually started to make these increases, so if you switch to another company there rates ARE going to come up, and probably gonna be 6 months from now when your policy renews.