Geico Car Insurance Review

Though GEICO car insurance lacks some vehicle coverage options and misses several common discounts, they are a very popular auto insurance company that generally offers some of the lowest quotes around. With great informational resources and powerful online account management tools, GEICO makes an especially great choice for hands-on consumers.

The Good

Solid policy coverage and benefits:

GEICO stands out for its great selection of policy coverage choices, including all standard types of coverage and a number of great add-on options. Standard policy choices include bodily injury and property damage liability coverage and protection against property damage from uninsured motorists. You can also choose emergency roadside assistance coverage to get immediate help if you need a tow or if you’re locked out of your car. Select rental reimbursement coverage if you want free access to a rental car whenever your own vehicle is in for repairs after an accident. GEICO auto insurance even offers windshield and glass coverage, allowing you to get a quick repair whenever you get a chip or a crack in a car window. Whether you’re after a full-coverage policy or just the basics, GEICO has you covered.

Extensive learning materials:

If you believe knowledge is power, GEICO car insurance has just what you’re after. The GEICO Information Center puts all kinds of great auto insurance information all in one place, including insurance policy guides, a detailed glossary, some really thorough FAQs, and so much more. With solid information on available discounts and a calculator feature to help you find just the right level of coverage to meet your needs, you’re going to be very well-informed when it comes time to buy a policy. You can even access some great car buying resources, including advice on choosing and financing a car and help finding vehicle safety and crash test ratings. Whether you’re a first-time insurance buyer or a long-time driver, you’re sure to appreciate GEICO’s dedication to customer education.

Exceptional policy management:

GEICO car insurance also does a great job with its online policy management tools, ranking among the best in the industry for providing a simple yet powerful account dashboard with full access to most policy settings. Log in to the GEICO account manager to review your policy, pay your bill, print proof of insurance, and add or remove drivers. You can even add or remove a car from your policy, change your coverage options, or adjust your deductibles instantly and without any telephone calls or visits to your agent. If easy account access and personal control over your policy details is important to you, GEICO auto insurance is sure to be a great fit.

Cheap quote prices in most areas:

If you get a GEICO car insurance quote, it will likely be one of the cheapest auto insurance quotes around. Car insurance quotes ultimately depend on a number of factors, but in some areas tested, GEICO auto insurance quotes were up to $300 cheaper than competitors. With the potential for finding the best auto insurance quotes in the industry, GEICO is always a good starting point. Not to mention, they have a very fluid online quote process so you can quickly get your price.

The Bad

Not the best vehicle coverage:

GEICO car insurance offers a great selection of policy coverage options, but they fall just a little short of the competition when it comes to vehicle coverage. Although you can find all the basic vehicle coverage choices, including collision and comprehensive coverage, you don’t have the option to select interior vehicle coverage for protection against break-ins and theft. New car owners will be disappointed to learn that new car replacement coverage and GAP insurance are also unavailable. New car replacement coverage provides you with a brand new car if your vehicle is totaled in the first year of ownership, while GAP insurance makes sure that your car loan is paid in full, even if your loan balance is greater than the market value of the car. However, GEICO is still one of very few major insurance companies to offer mechanical breakdown insurance, which helps pay for engine repairs and part replacements that aren’t covered under your car warranty.

Limited mobile functionality:

GEICO car insurance falls just a bit short on mobile access, which is surprising in light of how strong GEICO's online account management tools are. The GEICO App fails to offer the same power and flexibility to edit your policy at all. That said, the app is great for viewing your policy documents, coverage details, and open claims. You can pay your bill, which is nice, and you can also get a quote for a new policy or a new vehicle on your existing policy. Both the iPhone and Android versions of the app receive outstanding user reviews so it just depends on the type of functionality you're looking for.

Missing some discounts:

Even though GEICO is known as a discount insurer and performs pretty well on that count, it fails to deliver on several discounts relatively common throughout the industry. For example, the company offers no price breaks to low-mileage drivers, which is a pretty standard option. If you like getting ahead on your bills, the lack of a prepayment discount may also disappoint you. Though you can get discounts for insuring multiple vehicles and for purchasing other types of GEICO insurance, you won’t get a loyalty discount, even if you stick with the company for years. GEICO car insurance could also improve on its discounting reputation by offering an easy discount analysis tool to help you make sure that your policy always includes all available discounts.

 

To check out some customer reviews you can take a look at this post.

State Farm Review

Now here is another insurance company review and it is for one of the most popular companies in the United States.

The Good

Competitive discounts:

If you’re looking for discounts, State Farm auto insurance delivers. Alongside common discounts like those for good drivers and good students, State Farm auto insurance also offers price breaks for members of the military and low-mileage drivers. You can gain additional savings by insuring more than one vehicle with the company, a great deal for two-car families. It also pays to stick with State Farm car insurance for the long haul, as they offer a nice loyalty discount that continues to increase year by year. If you’re in the market for a renters, homeowners, or life insurance policy, taking your business to State Farm can get you a further discount of up to 17% on your auto policy. Depending on how many discounts you qualify for, you may be in for some pretty big savings.

Strong mobile app:

State Farm auto insurance really stands out for their mobile app, Pocket Agent, which is available for both the iPhone and Android platforms. Pocket Agent gives you full access to your State Farm account, allowing you to make policy payments, access your insurance cards, and locate a State Farm auto insurance agent in your area. The app’s claim reporting tools are especially convenient. If you have the misfortune of being involved in an accident, Pocket Agent helps you document the circumstances, collect information from other drivers, file vehicle damage photos, and even complete a claim, all with your phone. Though you might hope to avoid using these particular tools, at least they’re available if you need them.

Great online quote features:

Though all major auto insurers offer the tools to build a policy and get an immediate price quote online, State Farm auto insurance really makes it easy. After you get started by entering your name and address, the quote tool takes over, guiding you right through the process. Though the tool does a good job of describing exactly what data you need to enter, if you run into trouble you can submit a question directly to a service representative or even invite a representative to join in on the quotation process, all within your browser window. There is also a progress bar displayed at the top of the screen so you’ll always know exactly how much further you have to go, which is a nice touch.

Steer Clear Safe Driver Discount:

If you’re under age 25 and have no moving violations or at-fault accidents on your record, State Farm car insurance has a pretty cool discount program that can save you as much as 15% on your policy. To get the Steer Clear Safe Driver discount, you have to complete a special course designed to help you review your driving habits and improve your skills on the road. You’ll watch videos, complete self assessments, log your driving trips, and take a safe driver pledge. This is a really solid program that makes you a safer driver and saves you money at the same time. You can collect the Steer Clear Safe Driver course materials from your local State Farm auto insurance agent, access the materials online, or download the Steer Clear Mobile App, which is available for both iPhones and Android phones.

Solid claims resources:

If you get in an accident, reporting a claim with State Farm is about as easy as it gets. You can choose to contact an agent directly, or you can file a report online. If you have State Farm’s Pocket Agent app, you can even submit all the materials with your smartphone, including vehicle damage photos. Once your report is complete, you can check on the status of your claim online whenever you want.

The Bad

No mechanical breakdown coverage:

Mechanical breakdown insurance helps cover the cost of engine repairs and parts replacements that aren’t covered by your car warranty, offering you real peace of mind as your car ages. Unfortunately, mechanical breakdown coverage is not an option for State Farm auto insurance. Though it’s hard to complain much since only a few major auto insurers actually offer this type of coverage, it would certainly be nice if State Farm was one of them.

No discount for paying premium in full:

If you’re the type of person that likes to get ahead on your bills, you’ll be disappointed to learn that State Farm auto insurance doesn’t offer a price break for paying your full policy premium up front. Though many other major auto insurance companies offer just this type of prepayment discount, you won’t get it from State Farm. To be fair, this is a minor quibble, especially in light of all the different discounts that State Farm car insurance offers to customers.

If you want to know more about this company before making a decision you can check some customer reviews here.

Liberty Mutual Review

 We are know going to show you one of the best car insurance companies at the moment the good things and the bad things so you can decide if it is worth it.

 

The Good

Good online quote interface:

The majority of top auto insurance companies allow you to receive a free auto insurance quote online. This functionality allows you to shop around and find the auto insurance company that will offer you the lowest rate. However, some of the online quote interfaces are not well-designed and are difficult to navigate. The Liberty Mutual online quote process features simple forms, clean interfaces, and a guide across the top of the screen that clearly indicates where you are in the quote process.

Solid new car coverage options:

Purchasing a new car with an auto loan is a fairly common practice. However, in many cases, the value of the car will not cover the entire cost of the auto loan if a major accident were to occur shortly after the auto purchase. GAP coverage and new car replacement are two insurance options offered by Liberty Mutual that help protect you financially and are definitely worth looking into if you recently purchased a new car.

Live chat support:

Most people probably have a basic understanding of how auto insurance works, but when it comes to navigating an auto insurance policy, it’s easy to feel a little overwhelmed. In addition to getting your questions answered by phone and email, Liberty Mutual also offers a live chat option. Similar to most other top auto insurance companies, the live chat option is only available during the quote process, but it is still a great resource that can help you have more confidence in your auto insurance purchase.

Strong online resources:

In addition to an online account that allows you to access and manage your policy, Liberty Mutual provides a variety of online tools and resources to help you understand the auto insurance industry and make better-informed purchasing decisions. Some of these features include the online auto quotes, a coverage calculator, an auto insurance state list, and even specific web pages dedicated to teen and senior drivers.

The Bad

Drive discounts are limited:

Driver discounts can play an important role in your ability to find an affordable auto insurance premium. Liberty Mutual car insurance does offer a variety of driver discounts, however, when compared with some of the other top auto insurance companies, the list of Liberty Mutual auto insurance discounts comes up a bit short. For those that are particularly interested in finding the lowest auto insurance price, if you’re willing to shop around, you may be able to find a set of discounts more applicable to your specific circumstances.

No mechanical breakdown coverage:

Liberty Mutual car insurance offers roadside assistance and an opt-in towing and labor coverage option; however, the company does not offer mechanical breakdown coverage. It always seems that auto warranties expire just when your car starts to have more complicated problems. With mechanical breakdown coverage, you won’t have to worry about getting stuck with an unexpectedly large mechanic bill. If you prefer the peace of mind of knowing that the cost of fixing your car is covered, Liberty Mutual car insurance may not be the best fit.

Mobile app could be improved:

Liberty Mutual does offer an iPhone, Android, and iPad mobile app you can use to take pictures of a damaged vehicle, map your location using GPS, file and modify a claim, contact an agent, and more. Although the app seems to be fairly capable, the overall user reviews indicate that there may be room for improvement.

If you like the post you can also check the company reviews in this post.

Top 5 Car Insurance Companies

Here we have a top ten insurance companies so you can decide and compare car insurance companies we will be posting here some reviews this companies have received so you can be aware of what to spect the order will be from 1 to 10 so the first one will be the best according to the customers review.

Liberty Mutual

Customers Review:

"They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with a bunch of other fees. Do your research... Call around and you will be shocked at how many of those other companies are charging for their premiums (double what Liberty Mutual charges) and then once they get you the first year with somewhat low rates, they hike them back up the second year! Do your research and you will realize that Liberty Mutual is the best all around!"

"I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy."

"This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do."

GEICO  Customers Review:

"I love GEICO, they have EXCELLENT customer service! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy."

"I just switched to Geico because of these comments. I thought the whole, "save you more money, " marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended."   "Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO."

Esurance

"Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!"

"I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn't a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!"   "Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too." State Farm "A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss." "I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service" "Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service."  Allstate "Allstate is great! Saving people so much money always and always there whenever you need someone to help you with your insurance! You can always call your agent and they will help you with your policy however you need help. Saved my parents over 1,000 dollars a year from Travelers Insurance. UNBEAT" "I switched from State Farm to Allstate... SF really don't give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I've found a company that cares about ther clients." "I received a quote within minutes online and it was much lower than Geico, Progressive, State Farm, Nationwide and Safeco auto insurance companies. With the promise to keep me insured with their "no insurance hike up when getting into an accident", I will definitely continue to be an Allstate customer. I believe that I am in better hands than all the rest."  So if you want to know more about this company service you can check our reviews of this companies in our previous posts.