GEICO Car Insurance
Needless to say, car insurance is GEICO's strongest suit. The company may be best known for its funny, British-accented gecko, but it certainly does a good job of providing excellent car insurance to millions of consumers in the United States.
When it comes to car insurance, GEICO certainly knows what it is doing, and it has been doing it well for the past several years. Its old commercial tag line, "I saved a bunch of money on car insurance by switching to GEICO" actually rings true in real life--we know people who have shared the same sentiment. GEICO presents one of the best combos of affordable premiums, quality service, and coverage options out there in the market.
GEICO Car Insurance Policy Options:
GEICO offers many unique discounts and policy options you might qualify for –depending on your state of residence and other factors – which makes them an enticing option to consider when you shop for car insurance. Below is just a sample of the many unique features it offers with its car insurance policies:
- Auto repair Xpress: In the unfortunate event your vehicle undergoes damage due to an accident or other incident, GEICO ensures a quick repair process to help your car look as good as new. One of GEICO's claims adjusters will work with you through every step of the process to ensure you understand how it works.
- GEICO also takes pride in giving you access to licensed insurance agents when you need them. GEICO has agents standing by 24 hours a day, seven days a week to help you.
- There are many discounts GEICO offers on its car insurance policies. You could qualify for a discount if you are in military service, over 50 years of age, a member of specific groups or employers or a student. This makes GEICO a good provider to examine due to the diverse discounts it offers its customers.
How to Apply for a Policy
GEICO provides you with multiple ways in which you can receive an insurance quote. The easiest method is to fill out an insurance quote form online. You'll receive a personalized quote in as little as 15 minutes. From there, you can decide whether to buy insurance then – and if you do, you'll receive access to all your insurance documents – or to save a quote and return later to finish.
GEICO also has a phone option, where you can speak to a licensed agent. This is beneficial, especially if you are uncertain on which coverage options you need for insurance. Since each state's laws are different in this regard, having a dedicated professional with a wealth of experience in this subject can aid you. Moreover, the agent can help you find all the discounts and optional coverages that are most beneficial to you, thus ensuring you have the protection you need.
Pros of Going with GEICO
The first is the exceptional customer service it offers its customers. Having access to a licensed agent 24 hours a day, seven days a week, is something other providers, like 21st Century Insurance, doesn't offer its customers. For this reason alone, GEICO is a great option to consider.
In addition, GEICO touts cost-effectiveness for its customers through the many discounts it offers. On its website, it states the average customer can save as much as $500 by switching to GEICO. From personal experience alone, this claim is truthful in that GEICO often provides more affordable insurance premiums than many of its competitors.
Cons of Going with GEICO
Arguably the only drawback to going with GEICO is it doesn't have an accident forgiveness policy in place. Many insurance providers now offer this feature, which is where if it's your first accident your rate won't increase, provided you meet all their conditions. Since GEICO doesn't offer this feature, it's something to be mindful of before deciding to commit to coverage with them.
GEICO's Tools and Educational Resources
GEICO is one of the best providers in the regard because it offers excellent tools and resources for you to use. For example, its free mobile application allows you to access all your insurance information on the go. Along with this, you have access to great tools such as Fuel Finder. When you are on the road, this tool helps you identity the nearest gas stations with the best price, that way you can save money on fuel expenses.
Further, GEICO offers a car buying service. This online tool is great in that it allows you to do side-by-side comparisons of new and pre-owned vehicles by price, options offered and performance specs. In turn, this tool can expedite your research process to help you find your next vehicle quicker. Additionally, you can find the model you want and receive haggle-free dealer guaranteed savings before you visit the dealership. GEICO works in conjunction with TrueCar for this feature. The result is users save on average $3,078 off the vehicle price.
Customer Service with GEICO
GEICO earned a 97% customer satisfaction rating. This is in part due to the ease of access by which you can contact an agent anytime during the day or night, and the ample amount of discounts provided. Moreover, GEICO also has social media accounts with Twitter and Facebook, which gives you more ways to contact them and learn about new features as they arise. All these things indicate GEICO's dedication to delivering exceptional service.
Verdict - Good
We've rated them number one for the following reasons. The website is easy to navigate and you can get a quote right from the website in 15 minutes according to them, which saves a lot of time and effort. Another good perk is that you can get premium rebates if you buy things like anti-theft devices or show an impeccable driving pattern during the previous 12 months. According to many consumer groups, they have some of the lowest premiums in the industry. Whenever you get great service at a great price the results are an excellent product. For more information take a look at some of our other car insurance reviews.