An update on this:
I called Geico, as said I got a better quote elsewhere. Even after a long conversation they did not want to lower the rate.
Went back to website, and without logging in to my acct, got a new quote with all my info (but did not give them ssn). Got the same lower quote as before. Called them back and told them that their website gave me a lower quote. After verifying that all the coverage limits are the same as my current policy, they lowered my premium to the new quote!
Spent about 30 min on phone, saved 400/year!