Best Answer - Chosen by Voters
Look, Geico doesn't use agents, so no one here will be able to tell you for sure.
But in general EVERY insurance company has multiple subsidiary companies. You can't go to them and demand, hey, I want your super preferred rates. You go to them, lay your qualifiers out on the table, and THEY decide which rates you get.
If you're 21, and drive a Camaro, with two speeding tickets under your belt, there's just NO WAY they're going to offer you their cheapest rates. They will underwrite you, and THEN select which subsidiary company you qualify for.
Underwriting guidelines for each subsidiary, are proprietary information - NO company is going to list what you have to do to qualify for each one.