Does Geico use telematics?

To get a Geico quote online, simply visit Geico’s website. You’ll be able to get quotes for 26 kinds of Geico insurance, including auto, property, life, travel, pet, and business insurance.

How to Get a Geico Online Quote

1. Go to www.Geico.com
2. Click the button for the insurance type you want… read full answer
3. Click “Start Quote”
4. Answer the questions
5. Wait for your emailed quote

More Information About How to Get a Geico Online Quote

If you want to get a Geico auto insurance quote online, look for the car symbol at the top of the page, enter your zip code in the box next to it, and click the button labeled “Start Quote.”

You’ll be asked a series of questions, starting with “How can Geico help you today?” Then, you’ll fill in information about yourself, including your age, education, occupation, and any driving violations or accidents in your recent past. You’ll also answer questions about your car, its usage and mileage, and your current insurance, if any. Finally, you will note any other members of your household that need to be on your policy.

Give Geico your email address and you’ll get a quote back from them in about 15 minutes. They will base the quote on your state’s minimum coverages and the information you provide. You will also have the option of going to a “build your own quote” tab if you want to see how changing coverage and deductibles in this baseline policy would affect your premiums.

If you have problems with Geico’s online quote system, or you’d prefer to speak with a representative, you can also get a quote through a local Geico agent or by calling (800) 207-7847. Plus, Geico auto insurance customers can get personalized quotes for other types of insurance through the Geico app.

No, Geico does not offer pay-per-mile insurance. Geico does have a low-mileage discount for people who drive fewer than 7,500 miles per year and a usage-based insurance program called DriveEasy that can make car insurance more affordable. Registering for Geico’s usage-based insurance program could save drivers up to 20%.

Alternatives to Geico Pay-per-Mile Insurance… read full answer

The Geico DriveEasy app monitors driving habits like speeding, hard braking, total mileage, and more using your phone’s sensors and GPS location. Geico uses this data to calculate a driving score and adjust your premium discount.

Usually, car insurance rates are determined by a driver’s history on the road as well as factors like age, credit score, and zip code that help insurers predict future driving behaviors and levels of risk. Usage-based programs like the DriveEasy app, on the other hand, show insurance companies your actual level of risk, so drivers only pay for the insurance they need.

Pay-per-mile insurance is a bit different, since it involves paying a base rate plus a per-mile fee. It’s currently offered by one provider, Metromile, in just eight states. Geico may be able to provide more robust coverage just as affordably, though, because they offer such a wide variety of discounts. But if you need cheaper, low-mileage coverage, you should make sure to compare rates from at least three insurers to confirm you get the best price for your unique needs.

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.… 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.

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.