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Geico Review

Wednesday, August 17th

2022 Auto Insurance Plan Reviews

Geico Review 4 Star Rating


4 Star Rating

Ever wondered what GEICO stands for? Government Employees Insurance Company. The company started as an insurance company that targeted US Government employees and military personnel. Obviously, over the years that has changed and GEICO now services over 16 million auto policies and covers over 27 million vehicles. GEICO is known for offering affordable auto insurance policies and the independence to manage your accounts online at any time with an easy to use app.

Who doesn't love the GEICO lizard?? He's graced many commercials and ads that we all know so well, so of course he's the first thing we see on the website. The home page is very easy to navigate and is not cluttered. GEICO's most popular form of insurance is for automobiles - but they also sell insurance for homes, renters, condos, boats, and more.

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To start your quote all you have to do is enter in your zip code. On the next few pages you will enter in your personal information and details about your vehicles or whatever you are looking to insure. Decide what type of coverage you need - liability, medical, vehicle or uninsured motorist. Make your selections and after you are complete you will receive your insurance quotes. You have the option of saving your quote, modifying it, or purchasing it directly. At anytime if you have questions you can call GEICO, reach them through live chat, or through their mobile app.

GEICO has received a 97% customer satisfaction rating. They have agents available 24 hours a day, 7 days a week at your disposal. The GEICO app is easy to use and client can manage every aspect of their policy on the app. GEICO offers more ways to save discounts for auto insurance. They offer discounts for buyers based on car features, accident-free driver, driver education graduate, federal employee discounts, and so on. If you purchase multiple policies through GEICO you are also eligible to save.

GEICO offers a very comprehensive website to purchase auto insurance. The main home page is pretty basic, but if you poke around you'll find all of the information you need to purchase the your auto insurance. GEICO is limited when it comes to a few types of insurance (such as Gap insurance), and at times claims have been reported to be difficult to file online. Customers complain about frustrating customer service experiences, miscellaneous fees appearing on their account, and claims that take too long to pay. Still, overall we think GEICO is a very good option when looking for affordable auto insurance.

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Where Can You Get the Best Auto Insurance?

Auto insurance laws vary from state to state, but every state requires some form of coverage. Carrying sufficient auto insurance is the best way to protect yourself, your family and car if you are ever involved in an auto accident.

Neglecting to purchase auto insurance can cost a driver thousands of dollars in repairs and medical bills. There are also many legal risks involved with not purchasing auto insurance. The penalties vary by state, but you could lose your license, incur hefty tickets at routine traffic stops, and have a hard time renewing car tags and plates. That's part of the reason why we recommend purchasing auto insurance.

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Auto Insurance Plan FAQ

Auto insurance is used to provide financial protection from physical damage or bodily injury caused by a car accident. It is a contract between you and an insurer that says if you pay a monthly or yearly premium to have insurance, the auto insurance company will take care of costs that arise in the event of an accident. Your insurance might cover things like damage to or theft of your car, legal responsibilities, or medical costs to treat injuries and rehabilitation.
Everyone needs car insurance. Motorists who drive without insurance can receive hefty fines from police officers if they are pulled over. In other cases, their car could be impounded or their driver's license revoked. If you're in a car accident that causes harm to another person or their property, you would be responsible for 100% of the cost which could easily equal tens or hundreds of thousands of dollars. Many states have a pay-to-play rule which states that if you're in a car accident and it's someone else's fault, you can only collect money from their insurance if you have car insurance of your own. In short, it's extremely risky and an overall bad idea not to have auto insurance.
Many auto insurance companies have calculators on their website that ask you a series of questions to help you get an estimate of your monthly or yearly auto insurance cost. If you have a solid driving record and want good insurance, you can expect to pay somewhere around $300-$500 per year. Oftentimes you can bundle and save if you put more than one vehicle on your auto insurance. If you get a speeding ticket or are a responsible party in a car accident, it's more than likely that your insurance rate will go up. This is because the insurance company looks at you as a higher liability.
Some of the main factors in determining auto insurance rates are your driving record, how often you use your car, where you live (e.g. are you somewhere where vandalism rates are high?), your gender and age, the kind of car you drive (e.g. how much would it cost to replace?), and the type of insurance you want. There is no one-size-fits-all insurance policy, so you'll be asked about all of these things when you apply for auto insurance. You may also get discounts for being a good student, bundling more than one type of insurance (like homeowner's and life), or even for being married!
You can change auto insurance policies at any time. If you find somewhere that offers you as good or better car insurance than what you currently have for a better price, go for it! Although it is a minor pain to shop around and fill out the paperwork to make the switch, you can do it at any time. There are no penalties for changing auto insurance companies, but be cautious of the companies that make you pay termination fees.
Some online companies will take your information and match you to the best auto insurance companies around. Others will let you sign up for an auto insurance policy with them directly. It's as simple as finding a highly-rated auto insurance group and filling out an application. You'll be asked for basic personal information and some details about your driving history, location, vehicle, and other things.
It doesn't hurt to get quotes from multiple auto insurance companies. It's a no-brainer that you want to get the lowest premiums possible. Check the company's Better Business Bureau rating and make sure the insurance is comprehensive in offering everything you would need in the event of an accident. As long as the auto insurance company is known for having good customer service, you should be safe signing up for a policy with them.
If you're involved in a car crash, fender bender, or your car is stolen, call your insurance company. It's also wise to get the auto insurance information of all other parties involved so that the companies can work together to sort things out. When you contact your own insurance company, they will ask you any relevant questions about the situation you're in and walk you through the process to give you the best coverage possible.
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Continued from above...

There are so many auto insurance options available online, it can be confusing trying to find the right one for you. Buyers can opt to shop with a broker, or purchase from a company that provides their own policies. But whichever direction you take, shopping online for auto insurance offers you the widest possible selection right from the comfort of your own home.

When shopping for Auto Insurance, there are many factors to consider. Some of these include:

  • Choice. Does the site deliver competitive quotes from a variety of carriers, or just one quote from a single company?
  • Convenience. Does the site give you real price quotes that you can use to purchase your insurance online? Or do they merely put you in touch with insurance agents over the phone?
  • Cost. How does the quoted rate compare with what you pay now? Remember - rates are determined by your driving record, driving experience, location and safety features of your car.

TopConsumerReviews.com has reviewed and ranked the best auto insurance quote providers available today. We hope this information helps you find the best auto insurance to meet your needs!

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