Are GEICO insurance rates competitive?

GEICO comprehensive coverage pays for damage to your car that is not caused by a car accident. This includes damage caused by theft, vandalism, flooding, fire, and natural or man-made disasters.

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.… read full answer

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.

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.

Yes, Geico does offer free towing for customers who have the company’s roadside assistance coverage. Geico roadside assistance generally costs $14 per vehicle per year and includes towing services to the nearest repair facility. Geico customers can request roadside assistance online, or they can call 1 (800) 424-3426.

What Geico Roadside Assistance Covers… read full answer

• Towing services to the nearest repair facility
• Battery jump starts
• Tire changes
• Up to one hour of lockout services
• Winching
• Fuel delivery

While Geico’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

GEICO glass and windshield claims are subject to a $0-$1,500 deductible, depending on how the glass damage occurs, where it is on the car, and whether or not the policyholder has comprehensive coverage. If your glass or windshield is damaged in an accident that is not your fault, it should be covered by the at-fault driver’s liability insurance. If it is damaged in a collision caused by you, whether with another vehicle or an object such as a fence or a tree, it can be covered by GEICO collision insurance. This is optional coverage that you can get when you purchase your auto policy.… read full answer

To make a claim for glass damage not caused by a collision, you need to have GEICO’s comprehensive coverage. This is also a choice you make when you buy your policy. In general, GEICO’s comprehensive insurance covers glass damage caused by:

• Fire
• Flood
• Theft
• Falling or flying objects
• Vandalism
• Animals
• Hail
• Windstorms
• Lightning
• Explosions
• Earthquakes
• Civil disturbances

GEICO will waive your comprehensive deductible for repairs to your windshield. Required by law in a few states, this $0 deductible coverage encourages drivers to fix a seemingly minor issue that can become a serious hazard if left unrepaired. However, your deductible will apply if other windows/glass areas are damaged in most states.

It’s important to repair any glass damage on your vehicle quickly, especially a damaged windshield. It’s unsafe to drive with a broken windshield, and the damage can spread over time.

As a rule of thumb, chips or cracks less than the size of your cell phone may be repairable. Anything larger probably calls for glass replacement. Either way, repairs and replacements aren’t time-consuming – most can be completed within the hour.