Shopping for Car Insurance though Geico

 

Shopping for Car Insurance - How to Get the Best Deals

A young Asian man using his cellphone to shop car insurance from his home office, depicting how easy it is to get car insurance with GEICO. Shop auto insurance anywhere anytime.

When comparing car insurance rates online or over the phone, make sure you're looking at similar policies to accurately compare rates. With a 97% customer satisfaction rate*, why not start with GEICO? Here's what you need to know about

1. Gather the information you need to shop for a car insurance quote.

The first step in shopping for car insurance is to get a quote. To get an accurate car insurance quote, you'll need to provide some basic information. In addition to your name, address, and date of birth, some questions you may be asked include:

  • Type of vehicle and how you use it
  • Any other drivers that will be on the policy
  • Education and profession
  • Auto insurance history
  • Accident history

Not sure about something? You can always save your quote at any step and come back later.

2. Determine how much coverage you need.

When shopping for the best car insurance, make sure you're comparing apples to apples. If you already have auto insurance, have your current policy details handy to understand your current limits and deductibles. You can also use our Coverage Calculator to help determine what's best for you.

Some things to consider when shopping for a policy:

  • Check the minimum coverage requirements for auto insurance in your state.
  • Consider carrying a higher deductible to lower your premium. A $500 deductible is a popular choice.
  • Collision coverage provides protection for your car.
  • Liability coverage helps protect your personal assets in the event you are responsible for injuries or damage.

3. Explore Car Insurance Discounts.

Safe driving definitely has its rewards. When shopping for car insurance, see if you qualify for additional discounts that are offered in your market. Get a quote and see if you qualify for any of these discounts:

  • Vehicle Equipment: Savings for features like anti-theft devices or safety features
  • Driving history & habits: Lower rates for safe driving records or low mileage
  • Driver's education: Discounts for completing approved driver education courses
  • Driver affiliations: Savings for being a member of certain organizations, like alumni associations or professional groups
  • Customer loyalty: Discounts for staying with the same insurer for an extended period

4. Get a car insurance quote.

You may need additional information about yourself and your vehicle to get an accurate auto insurance quote. Gathering the following items before you start will help you be prepared:

  • Valid driver's license and number
  • Vehicle identification number (VIN)
  • Address the vehicle will be stored

5. Compare insurance quotes.

When shopping for car insurance, if you are getting quotes from different companies, you may want to compare them. For a useful comparison, make sure the quotes are for the same:

  • Coverages
  • Deductibles
  • Limits

Comparing car insurance can be a straightforward process once you understand what parts of the quote you need to compare. You also need to consider the service you will get after your purchase. GEICO has a 97% customer satisfaction rating* and provides easy access to licensed insurance agents.

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