Geico Auto Insurance Incentives

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Joel Ohman
Founder, CFP®

UPDATED: Apr 22, 2019

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Here's what you need to know...
  • Geico does a lot of business online
  • They offer many different discounts
  • They offer several different lines of insurance coverage

Geico is a well-known car insurance company, made famous from its commercials featuring a talking gecko lizard. When searching for car insurance and is owned and operated by Berkshire Hathaway.

This article will highlight some of the benefits of choosing Geico for your car insurance needs.

The letters that make up Geico are short for Government Employees Insurance Company.

Although the company has become better known in the last decade, it has been around since the 1930s. Since then, it has become one of the leaders in the car insurance industry.

Is Geico only an online company?


Geico offers robust online offerings, including:

This features allow you to manage your car insurance at your convenience. You don’t have to try to get a hold of an agent during business hours; you can do it at the time that works the best for you.

Although you are able to do all of your insurance business through Geico’s website, they now also have offices located throughout the country.

This means that you can sit down with a Geico representative face to face and get help with all of your insurance needs.

A benefit of this is more personal service. If you have a question or need help with a claim, you have one specific agent who you can call or see to help you.

To find a local office near you, you can go to the website and use the company’s agent locator tool.

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What types of benefits does Geico offer?

Geico strives to offer car insurance that is reasonably priced, and it claims that you can save quite a bit of money by switching to it for your insurance needs.

Along with already low premium rates, Geico also offers a number of discounts. There are discounts available specifically for car insurance, as well as insurance discounts for certain groups such as:

There are also a number of associations and groups that partner with Geico to offer you discounts on your insurance.

As a policyholder with Geico Insurance, you also receive special offers and discounts from specific top retailers.

Another benefit of working with Geico is that the company has terrific customer service. All of the Geico representatives are very knowledgeable and friendly and are happy to help you with any question or issue you have.

Representatives are readily available via phone, and their online support is available 24 hours a day, seven days a week.

The claims process from Geico is fair and strives to settle claims as efficiently and quickly as possible. Paying your bill is easy and quick with Geico’s online tools.

The website for Geico Insurance is very easy to use and navigate. It is easy to find what you are looking for and includes a lot of helpful information. It also has an app available for your smartphone.

Another benefit of choosing Geico is that it has a high financial rating. A.M. Best has rated the company as “A++,” which is a superior rating.

Their outlook is stable, which means you can be confident that the company will be around for a long time and that it has adequate funds to pay out current and future claims.

To find out more details about its rating you can go to A.M. Best’s website.

Does Geico offer other insurance products besides car insurance?


Geico is a full-service insurance company that offers a variety of insurance products. Besides car insurance, Geico offers insurance for other vehicles such as:

  • Motorcycles
  • ATVs
  • RVs
  • Classic and collector cars
  • Commercial auto
  • Boats

For property, Geico offers insurance for homeowners, renters, co-ops, mobile homes, and condos.

Geico offers collectibles insurance, flood insurance, life insurance, umbrella insurance, and an overseas insurance policy, which protects your vehicles and property when you are abroad.

Geico Insurance also has a plan available to help protect you against identity theft. They offer a plethora of benefits and should be on the top of your list for car insurance.

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