Auto Insurance: Checking Your Geico Policy Coverage

GEICO offers a range of auto insurance coverages, including liability coverages, vehicle coverages, coverages for yourself, and other optional coverages. The amount of auto insurance coverage you need depends on your state's requirements, your budget, and your personal needs. You can use GEICO's car insurance calculator to determine the right level of protection for your needs. To get a car insurance quote from GEICO, you will need a valid driver's license, your vehicle identification number (VIN), and the physical address where your vehicle is stored.

How to get a quote for auto insurance from GEICO

Getting a quote for auto insurance from GEICO is a simple process. Here is a step-by-step guide on how to get a quote:

• Gather the necessary information: To get an accurate quote, you will need to provide some basic information. This includes your name, address, date of birth, driver's license number, vehicle identification number (VIN), and the physical address where your vehicle will be stored. It is also helpful to know the type of vehicle you own and how you use it, as well as any other drivers that will be on the policy, your education and profession, and your auto insurance history.
• Determine the coverage you need: Consider the minimum coverage requirements for your state and decide if you want additional coverage. GEICO offers a Coverage Calculator to help you determine the right level of protection for your needs. You can also compare coverages, policy limits, and deductible amounts with other companies to ensure you are getting the best deal.
• Explore car insurance discounts: GEICO offers various discounts that can lower your premium. These include discounts for vehicle equipment such as anti-theft devices or safety features, safe driving history and low mileage, completion of driver education courses, membership in certain organizations, and customer loyalty.
• Get a quote: You can get a quote online or by contacting a local GEICO agent. Having the information mentioned in step 1 ready will make this process quicker and easier.
• Compare insurance quotes: If you are getting quotes from multiple companies, be sure to compare them accurately. Ensure that you are comparing the same coverages, policy limits, and deductible amounts across all quotes. Also, consider the service you will receive after your purchase. GEICO has a high customer satisfaction rating and provides easy access to licensed insurance agents.

By following these steps, you can get a comprehensive understanding of your auto insurance needs and find the best coverage and rate that fits your budget.

What information do I need to get a car insurance quote?

To get a car insurance quote, you'll need to provide some personal information and details about your vehicle. Here's a list of the most common information requirements:

Personal Information:

• Name
• Date of birth
• Gender
• Marital status
• Address (including where the vehicle will be parked or garaged if different)
• Driving license number
• Social Security Number
• Accident prevention course completion date, if applicable
• Driving history, including any recent accidents
• Safe driving courses completed
• Student status and grades (as good grades may qualify for a discount)

Vehicle Information:

• Make, model, and year
• Vehicle Identification Number (VIN)
• Safety features, such as airbags, passive restraint systems, or anti-lock brakes
• Anti-theft devices, such as GPS trackers
• Estimated weekly or annual mileage
• Whether the vehicle is financed, leased, or owned

Additional Information:

In some cases, you may also be asked to provide additional details, such as:

• The number of drivers in your household
• Details of other drivers, including their licence information
• Your current or previous insurance information
• Your preferred type of cover (comprehensive, third-party fire and theft, or third-party only)
• Your preferred coverage limits and deductible amounts

What are the different types of auto insurance coverage?

Auto insurance policies are made up of different types of coverage that protect against different risks, such as bodily injury, property damage, and uninsured motorists. Some types of car insurance coverage are required by state law, while others are optional. Here are some of the different types of auto insurance coverage:

Liability Coverage

Liability coverage is required in most US states as a legal requirement to drive a car. It covers damages for injuries and property damage to others that you become legally responsible for as a result of a covered accident. There are two types of liability insurance:

• Bodily Injury Liability covers the medical expenses of others from an accident you caused.
• Property Damage Liability covers the repair costs to other vehicles, fences, mailboxes, or buildings from an accident you caused.

Uninsured Motorist Coverage

Uninsured motorist coverage pays for expenses resulting from an accident caused by an uninsured driver. This is important because a significant number of drivers do not have car insurance.

Underinsured Motorist Coverage

Underinsured motorist coverage pays when the at-fault driver's insurance limits are too low to cover all the injuries or damage they caused.

Collision Coverage

Collision coverage pays for damage to your car after an accident, regardless of who was at fault. It also covers damage to your car from hitting a pothole or an object like a tree. Collision coverage is optional in every state but may be required if you financed or leased your vehicle.

Comprehensive Coverage

Comprehensive coverage pays out if your car is stolen or damaged by anything other than a car accident, including storms, floods, falling objects, explosions, earthquakes, vandalism, or hitting an animal. Like collision coverage, it is optional but may be required for financed or leased vehicles.

Personal Injury Protection

Personal injury protection, or PIP, covers medical expenses, lost wages, and other costs for you and your passengers after a car accident, regardless of who was at fault. PIP is required by law in no-fault states.

Medical Payments Coverage

Medical payments coverage, or MedPay, covers medical costs related to a covered accident, regardless of who is at fault.

In addition to the coverages listed above, there are several other optional types of auto insurance coverage, including:

• Gap insurance
• New car replacement coverage
• Rental reimbursement coverage
• Roadside assistance coverage
• Classic car insurance
• Full glass coverage
• Rideshare insurance
• Mechanical breakdown coverage
• Custom parts and equipment value coverage
• Business or commercial auto insurance

How to compare car insurance quotes

Comparing car insurance quotes from multiple companies is the best way to get a good deal. The average savings is $1,600 a year for a full-coverage policy after shopping around, so it's well worth your time. Here is a step-by-step guide on how to compare car insurance quotes:

• Determine your budget and the type of insurance you need: Before you start comparing quotes, it is important to know your budget and the type of coverage you require. This will help you quickly identify which insurance companies are within your budget and which ones offer the type of insurance you need.
• Gather the relevant information: Make sure you have the necessary information, such as your social security number, driver's license number, vehicle identification number (VIN), and current coverage details. Having this information readily available will make the process smoother and faster.
• Use an insurance comparison website: Insurance comparison websites, such as Compare.com, Insurify, and Jerry, allow you to compare quotes from multiple companies at once. This saves you time and provides a convenient way to find the best deal.
• Research companies with the best quotes: Don't just look at the price; research the insurance companies with the best quotes to ensure they have good financial stability ratings and customer reviews. You can check their AM Best rating and J.D. Power ratings, or refer to third-party websites like J.D. Power and AM Best, which analyze insurance companies based on various factors.
• Select the best quote for you: After narrowing down your options, choose the company that best meets your coverage needs and budget. Review the quotes again and select the one that suits you best. Then, proceed with the application for your new policy.
• Compare quotes again at renewal: When it's time to renew your policy, take the opportunity to compare quotes once more. This ensures that you are still getting the best deal and allows you to explore other options if your current insurer's rates have increased.

By following these steps, you can effectively compare car insurance quotes and find the most suitable option for your needs and budget.

How to check if GEICO covers rental cars

If you own a GEICO auto insurance policy for your primary vehicle, the same coverage will be extended to your rental car. However, it is only covered to the limits of your primary vehicle's auto policy. This means that if your primary vehicle is covered for liability, comprehensive, and collision, your rental car will be covered for these as well.

GEICO recommends checking your policy before renting a car to ensure you have adequate coverage. If you only have liability insurance with GEICO, physical damage to the rental vehicle will not be covered. In this case, you can purchase insurance from your rental car company or see if your credit card company offers rental car insurance.

GEICO also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add this coverage to your policy, GEICO will pay a daily rate of around $30 to $75 toward the cost of your rental, up to a limit of $2,250 per claim.

To check if GEICO covers rental cars, you can call GEICO at 1 (800) 207-7847 or review your policy documents on their website.

Frequently asked questions