Since GEICO bases your prmium on your CR, if/since you were denied credit, ie the best rate, you would also be able to get your credit report for free from the CRA that they used. It is the same if you were denied a loan.
Also, if your unemployed, on welfare and some other reasons you can get your report, no score for free. look on the CRA websites for the requirements.
Also, certain state laws provide a free credit report, NJ is one.
See
http://annualcreditreport.transunion...e.jsp?loc=1470