Lilah Butler, Car Insurance Writer
@lilah_c
GEICO comprehensive coverage pays for damage to your car that is not caused by a car accident. Comprehensive coverage by GEICO will cover non-accident related damage caused to your car, like theft, vandalism, flooding, fire, and natural or man-made disasters.
How GEICO Comprehensive Coverage Works
Your comprehensive coverage will pay for the cost of necessary repairs, as calculated by a GEICO inspector, minus your deductible. Your deductible is the amount you have to pay out of pocket for each claim. You can select a deductible from $0 to $1,500. But keep in mind that a lower deductible means higher premiums.
If the cost of repairs is greater than the value of your car, the car will be declared a “total loss.” Your comprehensive coverage will pay out GEICO’s determination of the car’s value minus your deductible, to you or to your leasing or financing company.
What Is Not Covered Under GEICO Comprehensive Insurance
GEICO’s comprehensive insurance does not cover accident/collision-related damage, roadside assistance or towing, renting a car while yours is being repaired, replacement of personal property stolen from inside your vehicle, or medical treatment of injuries. Other types of coverage can help in these situations.
People also ask
What is a good comprehensive deductible?
A good deductible for comprehensive insurance ranges from under $500 to $1,000, depending on how much you can pay if your car is suddenly damaged by something other than a collision, such as vandalism or a natural disaster. A higher deductible generally means lower premiums.
Comprehensive Deductible Example
A comprehensive deductible is the amount that you have to pay out-of-pocket when filing a comprehensive insurance claim. For example, if a hailstorm causes $5,000...
read full answer by WalletHub, Financial CompanyDoes comprehensive insurance cover theft?
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the...
read full answer by WalletHub, Financial CompanyAre GEICO insurance rates competitive?
Yes, GEICO insurance rates are competitive, as the company is one of the 10 cheapest auto insurers nationally, according to WalletHub analysis. GEICO car insurance customers pay an average of $462 per year for coverage. GEICO's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote,...
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