I still remember the day I called my car insurance company with dread, expecting a considerable rate hike after my teenage son had a fender bender with my car. To my surprise, the Geico car insurance company only raised my premium by $10 a month.
I soon realized I was paying way too much for coverage and switched the rest of my policies to Geico.
If you’re looking to maximize savings while still getting great coverage, you can just read on to see why Geico should be your top choice for car insurance.
Geico Keeps Rates Low – Saving Drivers an Average of $670 a Year
As the second largest auto insurer in the U.S., Geico car insurance can leverage their size and scale to keep rates cheaper than most other companies. They save on agent commissions by doing business direct-to-consumer online and over the phone. Those savings get passed on to customers, to the tune of about 15% less than the competition.
Geico also spends over $1 billion per year on amusing and effective advertising. Why so much? Their actuaries have proven that lower-risk drivers tend to choose Geico more often after seeing the ads. Attracting more low-risk policyholders allows Geico to reduce rates across the board.
These strategies allow Geico to offer bargain-basement rates to savvy customers. On average, Geico policyholders pay $670 less per year than going with Allstate, State Farm or other big insurers. Drivers switching from those companies to Geico save an average of nearly $400.
Now let’s look at estimated premiums based on your situation:
- Young, single driver with minimum coverage – $540 per 6 months
- Middle-aged couple with one car – $95 per month
- Family policy covering 3 cars and a home – $230 monthly
And if you bundle renters, homeowners, or life insurance policies, you can save up to 5-15% off your total premium. That makes the savings really add up for multi-policy households.
Strong Customer Satisfaction Proves Geico Gets Claims Right
Insure.com’s annual customer satisfaction survey has ranked Geico #1 in the home and auto insurance category for 5 years running. J.D. Power also rated them #1 among auto insurers this year.
What makes Geico stand out? Customers praise their smooth claims process and responsive, 24/7 customer service team. Geico’s intuitive online account portal and mobile app also make managing your policy a breeze.
Filing a Claim is Simple
You can submit it immediately through the mobile app or website. Geico then guides you through next steps as they leverage their national network of repair shops to get your car fixed rapidly.
Plus, Geico customers can get support anytime by phone, online chat, email, social media and more. No waiting around when you have a question.
As this pleased policyholder puts it:
“I’ve had three not-at-fault accidents over 4 years. Each time, Geico made everything really easy. My car was in the shop less than a week after calling it in. And they kept me in a rental the whole time so I never had to stress about transportation. I won’t consider switching insurers after seeing how well they handle claims.” – Leslie R., Seattle WA
Pick From Extensive Coverages to Custom-Fit Your Policy
While Geico’s core auto insurance coverage options meet state minimum requirements, they offer abundant add-ons to tailor protection for your situation:
Required Coverage Types
- Bodily Injury Liability – covers injuries to others you cause in an at-fault accident
- Property Damage Liability – covers damage to others’ property in an at-fault accident
- Personal Injury Protection (PIP) – helps pay medical bills for you and your passengers, regardless of fault
- Uninsured/Underinsured Motorist – protects you if an at-fault driver has little or no coverage
Optional Add-Ons
- Rental Reimbursement – pays for a rental car during covered repairs
- Roadside Assistance – on-demand help for lockouts, jumps, towing and more
- Mechanical Breakdown Insurance – repair coverage for vehicle failure outside factory warranty
- Rideshare Insurance – extra protection when driving for Uber/Lyft
And if you have a classic or custom car, specialty equipment, teen drivers, DUI history or other unique situation, Geico likely has tailored offerings to meet your needs.
Geico also offers accident forgiveness and safe driving rewards that allow long-time customers to recover from claim incidents without seeing rate spikes. Ask your agent about eligibility.
Is Geico the Best Match For You?
As you decide where to get the best rate for coverage, here are key points to consider about Geico:
Budget – Geico nearly always offers lowest rates, especially for drivers with excellent credit and clean records.
Car Make/Model – Geico offers discounts for safety features like air bags or anti-lock brakes that may offset higher premiums for luxury or sports cars.
Homeowner Status – Bundle home & auto policies to maximize savings if you’re a homeowner.
Life Stage – Consider extra liability protection if you have significant assets to protect.
Ready to see if you could save hundreds with Geico? The quick starting point is requesting a free, custom quote online or by phone. And chat with a representative if you want to discuss add-ons tailored for your situation. They can walk through Which coverage levels and options might best fit your budget and needs.
Why Consider Geico Today?
Whether you’re insured with State Farm, AAA, Progressive or other companies, it’s always smart to check Geico’s rates. Their ability to offer most drivers significant savings sets them apart.
Combine affordable premiums with strong customer service, ample coverage choices and convenient tech tools for managing your policy. You’ve got an auto insurance recipe for satisfaction.
So why not take a few minutes and request a Geico quote today? You might find yourself saving hundreds of dollars per year like me and millions of other savvy auto insurance shoppers.
Conclusion
Geico consistently offers some of the lowest rates around while providing award-winning customer service and ample coverage options.
So take a few minutes to get a quote, you very well might save hundreds of dollars a year. With little to lose and potential savings to gain, you owe it to yourself to check out Geico.
Check Out:
- The Many Benefits of Choosing Nationwide Car Insurance
- New Car Insurance: Insure Your New Vehicle
- Geico Insurance Quotes: Review your Geico Insurance Quotes
- Why is Car Insurance so Expensive?
