Geico Auto Insurance

I was looking for car insurance to insure my 2000 Toyota Solara. After searching online and getting quotes from different companies, I realized that Geico Insurance Company was one of the few insurance companies out there with affordable auto insurance. Geico also provides other type of insurances like: motorcycle, homeowner, renters, condo, life, boat, ATV, and others. You can save a lot of money if you purchase all of the insurances that you need from Geico. But, I that time, I was only looking for car insurance.

When I was searching for affordable car insurance, I was having two problems. First, I didn’t have car insurance at the time; I was actually without car insurance for several months. Second, my credit was not perfect; actually it is far for being perfect. When you have these kinds of problems, you can expect to pay a lot in car insurance. Geico was the only insurance company that sends me a good quote. Because I was not able to pay for the whole 6 months premium, they allowed me to pay less than $80 per month during the next six months after the quote.

To save even more money, I got the minimum coverage car insurance that is required by Florida law. My car is paid-off, so I was able to save even more money. Some of the minimum coverage required by Florida is the Personal Injury Protection-Insured & Relative with a $1,000 deductible. Also, I got the Property Damage Liability coverage with a limit of $10,000.

Even though I got my insurance online, I was able to call one of the Geico representatives. He was very helpful, and answered all my questions. I called them just to make sure I was getting the minimum requirements. At that time, I was not working, so I was trying to save money.

Geico let me save money in my car insurance. I got a discount for legacy renewal, anti-lock brakes, seatbelts, and for passive restraint. All these gave me a total saving of $64.60.

Pros: Having car insurance through Geico has a lot of benefits. In addition to the affordable car insurance that they provide, you can access your benefit and insurance information online 24/7.

Cons: I don’t really have any bad comments about Geico.

Other Info: Something else that is nice about Geico is that you can view/edit your policy, change your payment preferences, change your pay plan, see upcoming payments, and see all the previous payments and transactions. In addition to that, you can print your I.D. card, manage your claims, and change any personal information.

Amount Paid: $454.50 for 6 months premium

Purchase Date: 11/09/2012

Online or In-Store: Online

Final Notes: It was not fun to drive around town without car insurance. You never know when something bad is going to strike you. I now have peace of mind knowing that I have car insurance, just in case something happens. I just renewed my policy for the next six months, and my new premium is even cheaper than the last 6 months.

Recommended: Yes

Overall Rating: 5 stars

Geico Auto Insurance has been my Auto Insurance provider since I began driving over five years ago, and I have no intentions of leaving anytime soon. They have proved their worth to me time and time again. The agents are part of a truly incredible customer service team. While spending a weekend in Ocean City, MD, I had an unfortunate fender bender while parallel parking (Note to readers, avoid parallel parking with a car loaded with surfboards). There was no major damage done to either vehicle; and I have to admit, I did not notice any damage to my vehicle. After a simple phone call to Geico they laid to rest a lot of my worries, allowing me to truly enjoy my weekend.

Amy (the agent handling my case), was very courteous, and was willing to work around my schedule to get the information she needed. This was a real trip saver, as I did not have to constantly check my phone to check for missed calls. We would agree on a time to talk, it would be very brief, and every chance Amy could she would tell me to “soak up some sun for her”. Not that this was important to my accident, but she really went above and beyond to make sure I was comfortable and felt taken care of. And I was. Unfortunately, after the adjustor reviewed the pictures taken of the vehicles; he came to the conclusion that I had hit the vehicle (a few scratches). Amy assured me that they are taking care of everything and thanks to my clean driving record; I was not going to see an influx in my insurance cost. I only have liability coverage on my 1995 Jeep, and the costs are very manageable. Geico also offers drastically lower rates for drivers who have not had an accident in over five years. For the few brief months I had the lower costs, it was an 18% reduction in cost.

Looking through their packages and offers to drivers, there truly is a lot of discount opportunities. Ultimately, Geico Auto insurance has incredible customer service team, quick response, and strong incentives that will keep their customers as happy and relax as their mascot appears to be.

Pros: Geico has an amazing customer service team that works around your schedule, and will make you feel at ease if there is a case. There are a lot of incentives to safe drivers, certain attributes to a car can lower the insurance quote, and student discounts.

Cons: Compared to other insurance companies, they may seem a little more expensive, but in my opinion; for my liability only coverage, they were among the cheapest. There are also other insurance companies that seem to have stronger saving incentives.

Amount Paid:I was paying 74.65 a month.

Purchase Date: March, 2006

Online or In-Store: My purchase was done online.

Recommended: Yes

Overall Rating: 5 STARS

When my auto insurance policy expired, I knew that it was time to switch carriers. Not only was my old insurance company expensive, but their customer service department left a lot to the imagination. Finding the perfect insurance company was a nightmare. I was bombarded with offers. Upon looking at various companies, I found their sites to be difficult to navigate. This is until I found Geico. Unlike other companies, Geico explained what each policy covered. When I could not decided on a policy, I made a quick call to their customer service department. With the help of their associate, I was able to customize my policy. While I was worried about the cost, my worries were unfounded. Geico has some of the lowest rates around. For the price I was paying for liability insurance, I was able to get full coverage at Geico. Purchasing my policy was simple. I was able to make my purchase directly on their website. My insurance documents were emailed to me in a matter of minutes. This was a huge relief as my old policy had expired. I was no longer driving illegally.

Now I admit, I am not the best driver. However, I did not expect to have an accident so soon after getting coverage. In fact, I was a little embarrassed to call Geico. To my delight, I found the associate to be very delightful. They were able to get all the required information in under 10 minutes. All of the legwork was done for me. Long gone are the days of dealing with various insurance agencies. Within just a few days, a claim adjuster came to my home. After assessing the damages, the adjuster cut me a check on the spot. Not only was my car fully repaired, but Geico even covered the cost of a rental car. Best of all, my rates only increased by a few dollars.

Pros: Geico's website is easy to navigate. You are able to customize your policy. Geico allows you to combine home, auto and life insurance policies. This allows for the lowest rates possible. Claims are easy to file.

Cons: The wait time for filing a claim can be a bit long. I was on hold for close to 15 minutes. Also, policies may not be automatically renewed.

Amount Paid: $40.00 a month

Purchase Date: January 26, 2013

Online or In-Store: Online

Other Info: When looking for inexpensive auto insurance, consider Geico. Rates rise very little, if any, when your in an accident. Customer service is a pleasure to work with.

Recommended: Yes

Overall Rating: 5 Stars

I was drawn to Geico when I needed auto insurance by the television ads with the little Gecko and their promises of low prices. Since I drive a 1996 Ford, I had no need for extensive coverage. I also work at home and rarely travel more than 6,000 miles annually. I basically just needed minimum coverage so I could drive legally. I also have a good driving record, so finding auto insurance isn't a problem for me.

I was initially very pleased with Geico. I was easy to get a quote, easy to pay online for the initial premium and I was faxed my insurance cards within 15 minutes. I also found their price to be the lowest of the several companies I checked.

When I had a potential claim, their claims department was very proactive and we were able to resolve the issue. I was satisfied with the service until it came time to renew the policy after one year.

When it was time to renew my policy, I received an email that my $28 per month premium had increased to $40 per month, even though I hadn't had any traffic violations, late payments or claims. I was able to find coverage with another insurance company for $30 per month and canceled my Geico policy.

Pros: Geico Insurance is easy to purchase online with their simple quote system. It really does just take five minutes, as they advertise. They also have among the lowest prices in the industry, at least for Ohio drivers. They were also very proactive when I had a small issue when a friend borrowed my car.

Cons: In order to qualify for the lowest rates, you have to sign-up for your monthly or quarterly payment to be deducted directly from your checking account. Although, they send you an email alert, I find it easier to send a check or pay via debit card.

Other Info: I'm lucky to have a clean driving record. I don't know whether my experience with Geico having among the lowest rate would hold true for other types of driving records. I also drive an old (1996) car and only take minimum coverage. I can't speak to how Geico handles comprehensive coverage or coverage for cars that have a greater value.

Amount paid: $28.00 per month

Purchase date: September 1, 2011

Online or In-Store: Online

Final notes: I was sold on Geico until they wanted to raise my rate by about 40 percent when I renewed, even though I had no claims, no traffic violations and no late payments during my year of coverage with them. For that reason, I can't recommend them.

Recommended: No

Overall Rating: 3 stars