What is included in GEICO comprehensive coverage? This question is about GEICO

What is included in GEICO comprehensive coverage?

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This question is about GEICO

Lilah Butler, Car Insurance Writer

@lilah_c • 05/15/23 This answer was first published on 05/15/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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What is a good comprehensive deductible?

A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your deductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.

Comprehensive Deductible...

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Does 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...

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Are 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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