Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • Geico provides cheap comprehensive car insurance due to their low overhead and various discounts
  • There are numerous scenarios that comprehensive coverage covers, all of them the most costly to occur
  • Take time to understand what Geico offers you in terms of comprehensive coverage before deciding

Geico typically offers affordable car insurance and consistently rates among the top insurers that offer cheap comprehensive car insurance. Over the years, Geico has been at the cutting edge of delivering auto insurance innovations built around a non-agent business model.

The firm’s methods for handling various aspects of policy issuance, filings, claims, policy inquiries, and customer service have motivated other auto insurance carriers to adopted similar measures.

This approach has helped Geico to pass on cost savings to policyholders. With the company’s low overhead and various discounts, Geico can provide cheap comprehensive car insurance to policyholders.

The importance of drivers carrying comprehensive vehicle coverage as needed lies in the financial protection the coverage provides for vehicle owners against a total loss or significant cost from numerous events, which can cause a loss.

States automobile insurance laws do not require drivers to carry comprehensive car insurance coverage.

However, some car loan companies mandate certain buyers carry comprehensive car insurance, which ensures the payoff of loans on inoperable automobiles and vehicles lost by theft.

If you’re looking to save on auto insurance, enter your ZIP code above and compare at least three to four policies today!

Table of Contents

Comprehensive vs. Collision Coverage

Do not confuse Geico’s comprehensive coverage with collision coverage. The cost of Geico’s cheap comprehensive car insurance compares favorably with some of the lowest rates, but it only pays for the cost of repairing vehicles for events other than a collision.

For instance, if your automobile suffers damage from a roving squirrel, water damage from a flood, or vandalism, you can receive reimbursement from your auto insurance company.

Typical coverage pays for the cost of fixing your vehicle. The policyholder usually pays a predetermined deductible.

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Geico Cheap Comprehensive Car Insurance Coverage

Some of the most common car insurance claims fall under the items usually covered by comprehensive auto insurance. Here are some tips on how to file a successful car insurance claim.

Comprehensive car insurance also covers most of the costliest occurrences.

Although broken automotive glass doesn’t rank among the most expensive claims filed by Geico policyholders who carry cheap comprehensive car insurance, it makes up a large number of auto insurance claims filed by policyholders.

Flying debris, rock, and other debris can chip an automobile or SUV’s glass. The chip eventually, spreads, fracturing the entire glass.

Unless the vehicle owner has the windshield repair by a professional auto glass firm, the chipped windshield turns into a hazard that requires replacement.

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Geico’s comprehensive auto coverage also includes:

  • Larceny or theft
  • Fire or explosion
  • Wind damage
  • Vandalism or malicious damage
  • Civil unrest or riots
  • Damage from contact with animal
  • Natural disasters

Comprehensive car insurance coverage for theft covers the vehicle and objects fastened to the automobile and items considered a part of the vehicle; collision insurance coverage doesn’t provide financial protection for personal property left inside the vehicle.

Geico’s coverage for natural disasters covers a wide range of events, including fires, floods, hail, tornadoes, and hurricanes. When involved in a natural disaster, the policyholder needs to collect as much evidence as possible to document the claim.

Geico Cheap Comprehensive Car Insurance Discounts

https://www.youtube.com/watch?v=bhb9wW2-U4I

Geico, similar to other companies that offer cheap comprehensive car insurance coverage, has a variety of discounts, which help consumers lower their insurance premiums based on their ability to meet the qualifying criteria.

The company’s “drivers discounts” help reduce premiums for already cheap comprehensive car insurance, which Geico offer drivers the chance to receive discounts for:

  • Automobile equipment
  • Driving history
  • Defensive driving courses
  • Military affiliations
  • Customer loyalty
  • Driver’s education

And currently, Geico also provides discounts for consumers meeting the following qualifications:

  • Students
  • Federal employees
  • Group affiliations
  • Drivers 50 and over

Do not be afraid to ask Geico for other discounts some of their competitors may offer and which you can qualify.

Summary

Geico has an industry-wide reputation for its customer service, which has resulted in a high retention rate among its comprehensive car insurance policyholders.

Customers can report and track their claims over the internet, which allows them to avoid spending their valuable time speaking to a claims adjuster on the phone. However, Geico does offer telephone service to customers who would prefer talking to a live person.

Take the time to understand the comprehensive car insurance coverage offered by Geico. Verify how each aspect of the comprehensive coverage works in case you need to file a damage claim with the company.

Do not end your search for cheap comprehensive car insurance with Geico, because other companies offer competitive comprehensive car insurance products.

Looking for better and more affordable auto insurance? Enter your ZIP code below and start comparison shopping today!

References:

  1. https://wallethub.com/edu/comprehensive-vs-collision/10023/
  2. https://www.geico.com/claims/after-an-accident/
  3. https://www.thebalance.com/will-my-insurance-replace-my-windshield-527112
  4. https://www.geico.com/save/discounts/car-insurance-discounts/
  5. http://www.geico.com/information/discounts/car-insurance-discounts/