Frequently Asked Questions

How GEICO Direct Works

Will I have an agent? How is GEICO different from my local agent?
Why should I buy my insurance from GEICO?
Where are you located?
How long have you been in business?
Do you only write policies for government employees?
How does GEICO compare to other companies?

Applying for GEICO Insurance

Why do I have to answer so many questions to get a quote?
What are the additional forms that come with my policy?
Why can't I insure just my vehicle and not my spouse's?
Do I insure my car or register it first?
Must I have my vehicle inspected? Where can I do it? How does it differ from state inspection?
How quickly can you start a policy?
Will I receive an ID card?

Coverages

What are the coverages?
Who is covered?
Am I covered or is the car covered?
Are rental cars covered?
Do leasing companies require certain coverages?
How do I add a new driver to the policy?
Is uninsured/underinsured motorist coverage necessary if I already have a good health plan?
How do I make changes to my policy? When?
Am I covered if I use my car for business?
Am I covered while driving someone else's car?
Do you offer homeowners insurance?

Rates

How do you determine my rates?
What makes your rates lower than for other companies?
What makes my rates go up?
Do rates ever go down?
How much will my rates go up when my son/daughter begins to drive?
Will rates go up or my policy be canceled if I get a ticket?
Why don't rates go down as cars get older?
What discounts are available?
Why does insurance for a leased car cost more than if the car were financed?

Payments

What are the payment options?
Where and how should payments be mailed?
How do I interpret my bill?
Do I have to do anything to renew my policy?
Will a monthly billing statement be sent out or a payment booklet?
How can I learn whether GEICO has received my payment?

Claims
(For additional claims-related information not covered below, go to The GEICO Direct Claims Process.)

Will my policy be canceled if I have an accident?
What percentage will my premium increase if I have an accident?
What is an aftermarket part?
Will you use genuine or replacement parts to repair my car?
How many tows am I allowed with Emergency Road Service?