HOA - I've got great news for you?
KMR - What? I'm not eating ramen noodles and mayonaise anymore?
HAO - No. You can save a lot of money by using Geico direct.
Sorry, it just looked like the perfect opportunity to use my "I've got great news" joke.
Seriously though, I use Geico and I really do save a lot of money. I'm 29 though, that's a HUGE difference to insurance companies.