Geico
Car Insurance - Geico
- Details
- Category: Geico
- Published on Thursday, 15 July 2010 11:10
Maybe you've heard something about saving 15% or more on your car insurance policy. Maybe you've succumbed to the charms of an eloquent little gecko®. No matter how you found us, you're in the right place to get a fast, free, and accurate quote on GEICO car insurance.
Did We Mention Discounts?
We work hard to get you the best auto insurance rates. But you want to save even more, don't you? You're in luck: GEICO has many car insurance discounts that can further lower your auto insurance premium. Discounts could include these options:
- Good drivers
- Safe drivers
- Mature drivers
- Military personnel
- Multi-car families
Plus, if you belong to one of the many business or professional organizations that partner with GEICO, you could qualify for even more discounts on your auto insurance.
Choose Your Car Insurance Wisely - We Can Help
Car insurance isn't the simplest thing to understand. Between legal requirements, optional coverage, deductible choices, and different coverage levels, it's not always easy to figure out how to choose the best auto insurance policy. That's where we come in. Take a look at all of the auto insurance coverage options available from GEICO and how each one protects you. Or, call one of our licensed auto insurance professionals at 1-800-861-8380.
Customer Service: It's All About You
Car insurance. Customer service. Those two things go together when you're a GEICO customer.
At GEICO, we have one priority: YOU! We want to make everything about your car insurance as easy, convenient and pleasant as possible. Here are just a few ways we try to make your life easier:
Online Access to Your Auto Insurance Policy
Once you purchase your auto policy, you can sign up for instant, round-the-clock access to it at our Policyholder Service Center. Log in to your account to:
- View your car insurance policy documents
- Change your coverage levels
- Make payments online or sign up for automatic payments
- Add or remove vehicles from your policy
24-Hour Assistance - with a real person
Online access is great, but sometimes you need to talk to a real, live person. Call us anytime to speak with a licensed insurance professional. No question is too small. No issue is too complex. We're happy to give you the attention you deserve. Call 1-800-861-8380 to discuss:
- Your policy
- Your coverage levels
- How to file a claim
- Claims handling
- And just about anything else
Plenty of Payment Choices
With GEICO, you can choose from many different ways to pay your auto insurance premium. Pay your premium all at once, or break up your payments into two, three, four, or even monthly installments. Whatever works best for your budget works best for us. (Great customer service requires flexibility, right?). Find out more about all of the payment methods available to you for your car insurance.
Auto Repair Xpress (ARX) Program
If you ever have an accident that leaves you needing an auto repair, it's Auto Repair Xpress to the rescue. Just drop off your car at any Auto Repair Xpress facility. They'll evaluate the damage and set you up with a rental car if you have rental coverage. Once your car is fixed up, GEICO and the ARX shop will guarantee the repairs for as long as you own the car.
Auto Coverage Explained
Understanding Your Auto Insurance
We admit it. Auto insurance isn't the easiest thing to comprehend. You may feel like you need a PhD, the Rosetta Stone, and Sherlock Holmes to de-code all of the language about your auto insurance coverages.
Really, though, it's not that complicated. Here's a quick overview that will have you understanding auto insurance so well, you may just want to read your policy for fun! (OK-maybe not.)
The Basics:
Your policy is actually a package of seven primary auto insurance coverages. Each of these coverages has its own separate premium amount. Your payment is the total of these separate amounts added together for each car listed on your policy. In addition to the primary coverages, you can also choose to add other coverages for additional amounts; for example, GEICO's Mechanical Breakdown Insurance and Emergency Road Service.
The Magnificent Seven Auto Insurance Coverages:
Here's a list of the seven primary coverages and how they protect you:
- Bodily injury liability provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore it's a good idea to have the same level of coverage for all of your cars.
- Medical payments, no-fault or personal injury protection coverage usually pays for the medical expenses of the injured driver and passengers in your car. There may also be coverage if you are injured by a vehicle as a pedestrian.
- Uninsured motorists coverage pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver. In some states there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.
- Comprehensive physical damage coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
- Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or other object. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.
- Property damage liability protects you if your car damages someone else's property. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object.
- Rental reimbursement coverage pays for a rental vehicle (usually up to $25 a day) when your vehicle is out of commission as a result of a loss covered under comprehensive or collision coverages.
Source: Geico