Switching Car Insurance Coverage

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from State Farm to Geico this month in order to save ~$90.00/month..

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did you make sure geico ran your clue reports yet? lots of times people switch when they get their "quote" but the quote didn't run clue and show any claims or violations.

in any case, bind geico eff. 9/30 and cancel/non renew state farm 9/30.

No. There will be no fees.
You can either switch now, call SF and they will refund you the prorated portion of your premium, or like Chad said, switch on the 30th.

You're getting the same coverage for $100/less a month?

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You're getting the same coverage for $100/less a month

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A little less than that, but yes. Not entirely sure what factors are affecting the difference.. I am one year older and have better credit, so maybe that's it?

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if you have accidents or violations, you better have put correct info and not hiding anything when doing an online quote.

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Nothing in the last 5 years to my knowledge.

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50k for Property Damage Liability

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carry the 100/300/100

Don't cancel the SF policy until the Gecio policy is issued. All policies start/end at 12:01 am. You can backdate cancel the SF policy to the Gecio policy effective date. Single or multi car policy? Not sure if applicable in your state, make sure Gecio is quoting stackable um coverage. Most multi car SF policies have stackable um coverage. As stated above, increase property damage liability to 100k. You may need it if you're ever in a multi car at fault accident.

Switch that UM to UMEO. With UM of 100/300, you'd save probably $30 a month by switching it to UMEO alone.