Compare car insurance to get the best price.

Looking for cheap car insurance?

If you’re buying a new car or looking for a new insurance company, we recommend that you compare car insurance quotes to ensure you’re getting the best value.
Comparing car insurance doesn’t have to be complicated. We are here to help you understand your options and make the best choice for your auto insurance needs. Get your FREE car insurance quote from GEICO now.
How to compare car insurance.
To compare car insurance quotes effectively, you should get quotes from several insurance companies with similar coverage amounts and deductibles that meet your needs After that, evaluate critical elements including cost, available coverage, client feedback, and the insurer’s standing before choosing.
We recommend that you compare at least three car insurance quotes, which is in line with the Insurance Information Institute (III) guidelines. When comparing car insurance offers or rates, make sure the offers are identical:
Cover
Own risk
Borders
Comparing car insurance can be a simple process once you know which parts of a quote to compare. But what about the terms when you get a car insurance quote? What distinguishes underinsured motorist coverage from uninsured motorist coverage? Continue reading for some quick and simple comparison-making strategies.

1 . Determine your car insurance coverage.

When comparing car insurance quotes, make sure you choose the same amount of insurance for each quote. Coverage requirements vary and some coverage is optional. For state-specific information, see our state auto insurance guides.
Here you will find an overview of car insurance comparisons:
Comprehensive insurance can cover damage resulting from incidents other than collisions.
Comprehensive insurance can cover damage to your car if your car starts to move or is hit by another vehicle or object.
Uninsured motorist insurance can help you compensate for your damages caused by a person driving without insurance

Underinsured motorist insurance can protect you from drivers who cause an accident and may not have enough insurance to pay for your injuries.
Health insurance can cover medical costs associated with a car accident.
Personal injury coverage can pay for your medical care, lost wages, or other accident-related expenses.
Our coverage calculator is your best friend when it comes to understanding the terms and conditions you need to know when comparing car insurance quotes. Other important terms are:

Rental reimbursement can help cover the cost of your rental car while your car is being repaired for a covered injury.
Roadside assistance can pay to tow a disabled car to the nearest garage for repairs or mechanical work
Mechanical breakdown insurance can help cover services while your car is being repaired or if your car breaks down.

2 . Select deductible.

The amount you have to pay for a claim out of pocket is called a deductible. A lower premium could be obtained with a higher deductible. When comparing car insurance rates from different insurance companies, make sure you choose the same deductible for each offer.

3 . View and compare liability limits.

Most states require liability insurance. You can easily check with the government about the minimum coverage for your car insurance.
If the liability limit doesn’t sound familiar, you may be more familiar with it in this format: 100/300/50.
This is just an example, but three numbers often appear together on a car insurance quote.
100 = $100,000 per person for personal injury coverage
300 = $300,000 per claim in personal injury insurance
50 = $50,000 per indemnity policy
Personal injury insurance can pay off if you have an accident and are responsible for someone else’s injuries.
Liability insurance can pay out if you are responsible for damage to someone else’s property. For more information, see additional information on vehicle insurance.
If the above information has improved your insurance coverage, get a quick auto insurance quote from GEICO and see how much you can save.

What is the difference between car insurance and a policy rate?

A car insurance quote is an estimate based on information provided by the customer, while a policy rate is the actual premium amount a customer pays after their policy takes effect, usually based on more detailed insurance and risk assessments.

The pricing for your current insurance could alter if you don’t give accurate information when you receive the quote or if the details of the coverage change.

Here are some examples of things that can cause differences between the quote amount and the policy rates.
When you enter the complete vehicle identifying number (VIN) after starting a quote with just the make and model of your car, your price can change.
If you do not provide information about accidents you have had (even minor accidents), your insurance rate may be higher.
Forgetting to provide the driver’s driving information as part of the policy may result in a higher charge.
When preparing to get a quote, make sure you have all the correct and complete information to make the process easier.

You need:

A valid driver’s license
Vehicle Identification Number (VIN) for all vehicles
Address where the vehicle is stored
Driving history for you and all other drivers
Why Choose GEICO When Comparing Car Insurance?
For 85 years, we have worked hard to provide excellent customer service at an affordable price. Here are 10 reasons to switch to GEICO auto insurance:
New customers report average annual savings of over $700*
There are many discounts on car insurance.
97% customer satisfaction rating**
We are available to you at all times.
Our top-rated insurance app***
Auto insurance options for your motorcycle, ATV and RV
Also, help with property insurance: homeowners, renters and apartments
Easy insurance payment options to suit your budget
With Auto Repair Xpress®, you are guaranteed repair as long as you own your car.
With GEICO, you don’t have to compromise on the quality of cheap auto insurance. Request your free auto insurance quote today.

Frequently asked questions about car insurance

What do you need to compare car insurance online?
To get the most accurate quote, please have the following information available for all drivers and vehicles you wish to include in the policy:
Information about driver’s license and driving history
Vehicle Information Number (VIN) and location (addresses) where they are stored and driven
Why is it important to compare car insurance?
Although most insurance companies use the same customer information to create a quote, each company takes its own approach to pricing and discounts. Comparing quotes from different companies can help you make the best coverage and pricing decision for your situation.
Does low car insurance mean you get the best coverage?
Not always. When comparing quotes, make sure you choose the same coverage, policy limits and deductibles. If these differ, a lower or higher offer may come.

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