Get Geico Auto Insurance: Quick And Easy Process

If you're looking to get Geico auto insurance, you can get a free quote online. You'll need a valid driver's license, your vehicle identification number (VIN), and the physical address where your vehicle is stored. Once you have your quote, you can purchase your insurance directly online. Geico also offers several auto insurance discounts that you may qualify for, including for students, federal employees, or members of the armed forces.

Getting a quote

To get a quote, you will need to provide some basic information, including:

• A valid driver's license
• Your vehicle identification number (VIN)
• The physical address where your vehicle is stored

GEICO will then ask you some questions to understand your specific needs and requirements. This will help them tailor the quote to your situation. For example, they will ask about the coverage options you need, including state minimums, and any additional coverage you may want. You can also ask about GEICO's range of auto insurance discounts, which can help lower your premium.

Once you have your quote, you can easily purchase your policy directly online. Getting a quote and purchasing a policy is a quick and easy process, so you can be confident that you're getting the coverage you need without any hassle or delay.

In addition to getting a quote online, you can also call GEICO or use their mobile app to get more information about their insurance products and services. They have experienced agents available to answer any questions you may have and to help you find the right coverage for your needs.

Discounts

GEICO offers a long list of possible discounts, which may help policyholders save money. Here are some of the discounts available:

Good Driver Discount

Safe drivers are generally rewarded with lower auto insurance rates or safe driver discounts. To be eligible for the Good Driver Discount, you must not have had any accidents or moving violations that have resulted in a premium surcharge. In California, a Good Driver must meet the following criteria:

• Have a verifiable license for at least the previous three years.
• Have been licensed in the US or Canada for the most recent 18 months, with verifiable experience, and certify the previous 18 months of license experience outside of the US or Canada.
• Have not accrued more than one Department of Motor Vehicles point in the last three years.
• Have not had a conviction in the past ten years for specific driving under the influence (drug or alcohol) related driving offenses or specific felony convictions.

Defensive Driver Discount

The Defensive Driver discount is available in most states, but not in HI, MA, MI, NC, and VT. It's easy to find the Defensive Driver discount eligibility requirements for your state by visiting the Defensive Driver page on the GEICO website.

Vehicle Safety Features Discount

GEICO loves safe vehicles and typically offers discounts for the following safety features:

• Anti-lock brakes
• Anti-theft system
• Daytime running lights
• Passive restraint/restraint

Good Student Discount

In California, teen or young adult drivers can qualify for a Good Student Discount if they meet the following criteria:

• Have eight years or less of driving experience.
• Are enrolled full-time in an academic home study program, high school, college, or university.
• Have at least a B average or its equivalent.

Multi-Vehicle Discount

You could save money by combining auto policies. With a Multi-Vehicle Discount, you could save when you insure more than one vehicle on your policy.

Multi-Policy Discount

If you have renters or homeowners insurance through the GEICO Insurance Agency, you could also save with a Multi-Policy Discount.

Federal Employee Discount

GEICO offers discounts for federal employees or members of the armed forces.

California-specific laws

In California, all drivers are required to have auto insurance or some alternative form of financial responsibility before driving. The state's minimum car insurance requirements include $15,000 in liability coverage for a single other driver's injury, $30,000 in coverage per accident, and $5,000 in coverage for property damage. These requirements are in place to ensure that drivers can cover the costs of injuries or damage they may cause to others in an accident.

While car insurance is the easiest way to meet the financial responsibility requirement, there are other options. However, if you're caught driving without insurance in California, you will likely face fines and have your driver's license suspended.

• Cash deposit: You can make a cash deposit of $35,000 in a savings account to cover liability expenses if you're at fault in an accident.
• Certificate of self-insurance from the DMV: If you own more than 25 vehicles in your name, you can obtain a self-insurance certificate from the California DMV, stating that you can cover medical, repair, and property damage expenses.
• Surety bond: You can purchase a $35,000 surety bond, guaranteeing that you'll cover expenses in the event of an accident. If you're unable to pay, the surety company will step in and seek reimbursement from you later.

Additionally, California has a Low-Cost Automobile Insurance Program (CLCA) to assist income-eligible good drivers in obtaining insurance. This program offers lower liability limits than typically required by the state but still satisfies financial responsibility laws. To be eligible, your annual income must be within 250% of the federal poverty level, and your car must be worth $25,000 or less. The CLCA program provides lower minimum coverage limits, including $10,000 per person and $20,000 per accident for bodily injury liability insurance, and up to $3,000 per accident for property damage liability insurance.

Accident forgiveness

GEICO offers two types of accident forgiveness: earned and purchased. Free Accident Forgiveness is a reward for being a loyal customer and having a clean driving record. Upgraded Accident Forgiveness is a premium option available for purchase in most states.

It's important to note that accident forgiveness only applies to your first accident and subsequent occurrences do not qualify. Additionally, GEICO Accident Forgiveness is per policy, not per driver. If you have multiple drivers on your policy, any of the eligible drivers may use this benefit once.

Customer service

GEICO offers 24/7 customer service to its users. The quickest way to contact GEICO is through its app or online. Users can also chat for immediate help. GEICO's customer service can also be reached over the phone.

GEICO's customer service can help with various issues, including:

• Updating your address when you move
• Answering questions about your insurance policies
• Making updates to your insurance policy
• Filing a claim
• Finding a repair shop in your area
• Answering questions about your coverage and deductible for a claim
• Tracking and managing an existing claim
• Reporting a claim, glass damage, or requesting emergency roadside service
• Answering questions about billing and payment
• Cancelling your GEICO car insurance policy
• Answering questions about the GEICO virtual assistant
• Helping with the GEICO Easy Photo Estimate feature
• Helping with the GEICO Explore feature

GEICO also offers local insurance agents who can provide personalized services and answer questions about car insurance and more. These agents are available in person or over the phone.

Frequently asked questions