Geico General Insurance Company Review (2024)
Geico General Insurance Company continues to stand out as a leading choice in the insurance landscape, renowned for its extensive coverage options, competitive rates, and unwavering commitment to customer satisfaction.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Geico General Insurance Company
Average Monthly Rate For Good Drivers
$80A.M. Best Rating:
A++Complaint Level:
LowPros
- Competitive rates
- Wide range of coverage options
- User-friendly mobile app
- High financial strength
- Convenient online claims process
Cons
- Rates may not always be the lowest for every individual
- Customer service experiences can vary
- Limited local agent presence for in-person assistance
In this comprehensive article, we delve into the offerings and merits of Geico General Insurance Company, a renowned player in the insurance industry. Geico stands out with a diverse range of insurance options, including auto, home, and specialty coverage, catering to the needs of a broad customer base.
With a history dating back to 1936 and an A++ financial rating from A.M. Best, Geico boasts a track record of reliability and financial stability. The company’s competitive rates, user-friendly mobile app, and straightforward claims process make it a compelling choice for insurance seekers.
From discounts for safe drivers to bundling policies for added savings, Geico provides various ways to reduce premiums. Whether you’re insuring your vehicle, home, or other assets, Geico’s customer-centric approach and extensive coverage options make it a prominent contender in the insurance landscape.
geico Insurance Coverage Options
Navigating the insurance landscape is a crucial aspect of safeguarding your assets and ensuring financial security. Geico General Insurance Company stands as a trusted partner in this journey, offering a diverse array of coverage options tailored to meet the unique needs of individuals and businesses alike.
- Liability Coverage: This is the basic coverage required in most states and helps cover expenses if you’re at fault in an accident, including bodily injury and property damage liability.
- Collision Coverage: This coverage helps pay for repairs to your vehicle if it’s damaged in a collision with another vehicle or object.
- Comprehensive Coverage: Comprehensive coverage helps protect your vehicle from non-collision-related damages such as theft, vandalism, natural disasters, and more.
- Personal Injury Protection (PIP): PIP coverage can help cover medical expenses and other costs related to injuries sustained in an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you’re in an accident with a driver who has insufficient or no insurance coverage.
- Medical Payments Coverage: This coverage can help pay for medical expenses for you and your passengers, regardless of fault, in the event of an accident.
- Rental Reimbursement Coverage: If your vehicle is in the shop for repairs due to a covered accident, rental reimbursement coverage helps cover the cost of a rental car.
- Emergency Road Service Coverage: Geico offers roadside assistance coverage to help with services like towing, lockout assistance, and more.
- Mechanical Breakdown Insurance: This coverage can help cover the cost of repairs to your vehicle’s mechanical components, even after the manufacturer’s warranty expires.
- Classic Car Insurance: Geico provides specialized coverage for classic and collector cars to protect their unique value.
- Motorcycle Insurance: See our Geico motorcycle insurance review for details.
- Rideshare Insurance: For drivers working for rideshare companies like Uber or Lyft, Geico offers rideshare insurance to bridge the gap in coverage between personal and commercial use.
These coverage options allow policyholders to customize their insurance policies to suit their specific needs, whether they’re looking for basic liability coverage or comprehensive protection for their vehicles and assets. It’s important to consult with Geico or an insurance agent to determine which coverage options are right for your individual circumstances.
Read more: Geico Marine Insurance Company Review
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geico Insurance Rates Breakdown
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| Driver Profile | Geico General | National Average |
|---|---|---|
| Clean Record | $70 | $119 |
| 1+ Ticket | $190 | $147 |
| 1+ Accident | $210 | $173 |
| DUI | $270 | $209 |
| Poor Credit | $120 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
geico Discounts Available
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| Discount | Geico General |
|---|---|
| Anti Theft | 10% |
| Good Student | 15% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 20% |
| Senior Driver | 10% |
Geico offers a variety of discounts to help policyholders save money on their insurance premiums. These discounts are designed to reward safe driving, responsible policy management, and other factors that can reduce risk. Here is a list of some of the common discounts offered by Geico :
- Good Driver Discount: If you have a clean driving record with no accidents or violations, you may qualify for a good driver discount.
- Multi-Policy Discount: Bundling multiple insurance policies, such as auto and home insurance, with Geico can lead to significant savings.
- Safety Equipment Discounts: Installing safety features in your vehicle, such as airbags, anti-lock brakes, or anti-theft devices, may qualify you for discounts.
- Defensive Driving Course Discount: Completing an approved defensive driving course can often lead to a discount on your premiums.
- Good Student Discount: Full-time students with good grades may be eligible for this discount, encouraging responsible behavior on the road.
- Military and Federal Employee Discounts: Members of the military and certain federal employees may qualify for special discounts.
- Membership and Employee Discounts: Geico has partnerships with various organizations and employers, offering exclusive discounts to their members or employees.
- Federal Employee Discount: Eligible federal employees can receive discounts on their auto insurance premiums.
- Emergency Deployment Discount: If you’re deployed in an emergency, you may be eligible for a discount on your auto insurance.
- Multi-Vehicle Discount: Insuring multiple vehicles on the same policy can lead to cost savings.
- Daytime Running Lights Discount: Equipping your vehicle with daytime running lights may qualify you for a discount.
- Seat Belt Use Discount: Encouraging seat belt use in your vehicle can lead to additional savings.
- Electric Vehicle Discount: If you drive an electric vehicle, you may be eligible for discounts due to their eco-friendly nature.
- Anti-Lock Brake Discount: Vehicles equipped with anti-lock brakes can often receive a discount.
These discounts provide opportunities for policyholders to reduce their insurance costs while maintaining adequate coverage. Keep in mind that the availability and eligibility criteria for discounts may vary by state and policy type. To find out which discounts you qualify for and how much you can save, it’s advisable to contact Geico directly or visit their website for more details.
How geico Ranks Among Providers
Geico , as one of the largest auto insurance companies in the United States, has several prominent competitors in the insurance industry. These competitors offer a range of insurance products and services and compete for market share and customer loyalty. Some of Geico’s main competitors include:
- State Farm: State farm is one of the largest insurance companies in the U.S., offering a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive network of agents and personalized customer service.
- Progressive: Progressive is well-known for its innovative approach to auto insurance, including the use of technology to offer competitive rates and usage-based insurance programs like Snapshot. They also offer other insurance products, such as home and renters insurance.
- Allstate: Allstate provides a comprehensive range of insurance products and services, including auto, home, and life insurance. They are known for their customizable policies and various discounts.
- Nationwide: Nationwide offers auto insurance as well as other insurance products like home, renters, and pet insurance. They are known for their “Nationwide is on your side” slogan and extensive coverage options.
- Liberty Mutual: Liberty mutual is a global insurance company that offers auto, home, and business insurance. They emphasize customizable policies and offer a variety of discounts.
- Farmers Insurance: Farmers insurance provides auto, home, and life insurance. They are known for their strong agent network and a variety of coverage options.
- Usaa: While Usaa primarily serves military members and their families, it competes with other insurers in the market. Usaa is highly regarded for its excellent customer service and a range of financial products, including auto and home insurance.
- Esurance: A subsidiary of Allstate, Esurance focuses on online and phone-based insurance services, offering competitive rates and user-friendly digital tools.
- Travelers: Travelers offers various insurance products, including auto and home insurance, as well as commercial insurance solutions. They cater to a wide range of customers, from individuals to businesses.
- American Family Insurance: American family insurance provides auto, home, and business insurance, with a strong emphasis on customer relationships and community involvement.
These competitors, along with many regional and local insurers, contribute to a highly competitive insurance market in the United States. Customers have a wide range of options to choose from, and the competition often leads to innovative insurance products and competitive pricing.
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Geico General Insurance Company Claims Process
Ease of Filing a Claim
Geico General Insurance Company offers a straightforward and user-friendly claims process. Policyholders can file claims through multiple convenient channels, including online, over the phone, and through mobile apps. This flexibility ensures that customers can choose the method that best suits their preferences and needs.
Average Claim Processing Time
Geico is known for its efficient claim processing. On average, the company strives to process claims quickly, providing policyholders with timely resolutions. The specific processing time may vary depending on the nature and complexity of the claim, but Geico’s commitment to expeditious service is evident.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a crucial indicator of an insurance company’s performance in handling claims. Geico has received positive feedback from its customers regarding claim resolutions and payouts. The company’s dedication to customer satisfaction is reflected in its efforts to provide fair and prompt settlements.
Geico General Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Geico’s mobile app offers a range of features and functionalities that enhance the overall customer experience. Policyholders can use the app to access their insurance information, view policy documents, make payments, and even file claims from the convenience of their mobile devices.
The app’s user-friendly interface and intuitive design make it a valuable tool for managing insurance needs on the go.
Online Account Management Capabilities
Geico provides robust online account management capabilities to its customers. Policyholders can log in to their accounts via the company’s website to review and update their policy information, track claims, and access important documents. The online portal simplifies the management of insurance policies, offering a convenient and efficient way to stay informed and in control.
Digital Tools and Resources
In addition to its mobile app and online account management, Geico offers a variety of digital tools and resources to assist customers in making informed insurance decisions. These resources include educational articles, calculators, and FAQs that help policyholders understand their coverage options and navigate the insurance landscape effectively.
Geico’s commitment to providing valuable digital resources aligns with its goal of empowering customers to make informed choices.
Frequently Asked Questions
How do I get a quote from Geico for auto insurance?
Getting a quote from Geico is easy! You can visit our website at www.geico.com and click on the “Get a Quote” button. Follow the simple steps to enter your information, vehicle details, and coverage preferences. Alternatively, you can call their toll-free number, and one of their friendly representatives will assist you in obtaining a personalized quote.
What areas does Geico provide insurance coverage in?
Geico offers insurance coverage in all 50 states and the District of Columbia. They provide coverage to customers nationwide.
How can I qualify for a multi-policy discount with Geico?
To qualify for a multi-policy discount, simply combine your auto insurance policy with one or more of their other insurance products, such as home, renters, or motorcycle insurance. Bundling your policies not only simplifies your insurance management but also leads to significant savings on your premiums.
What should I do if I need to cancel my Geico insurance policy?
If you need to cancel your Geico insurance policy, you can do so by contacting their customer service team at the phone number provided on your policy documents or our website. A representative will guide you through the cancellation process, ensuring a smooth and hassle-free experience.
How can I contact Geico customer service for assistance with my policy or a claim?
You can reach Geico customer service by calling their toll-free number, which can be found on your policy documents or on our website. Their knowledgeable representatives are available to assist you with policy inquiries, claims, billing questions, and any other assistance you may need.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Tomer Ravid
GEICO review
Volodymyr_Korolevych
Adjuster stopped responding
Sergei_K
Can't get rid of them
vscore16
BAIT AND SWITCH
Trinidad2_
geico is the best
Jotwox
Not recommend
Waycross43_
Helpful
Babanana
Geico is amazing
Justin_Kim
Filing a claim at geico
Dingo
Insurance You Can Understand