GEICO Customer Reviews
The Government Employees Insurance Company (GEICO) provides car insurance for over 10 million customers. Headquartered in Chevy Chase, Maryland, GEICO sells car insurance in all states, except Massachusetts.
Owned by Warren Buffett’s Berkshire Hathaway, GEICO has enjoyed a resurgence in recent years thanks to advertising. If you have an experience with GEICO, leave a review – good or bad.
GEICO insurance customer reviews
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Reviews (56)
Ryan S
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For the past ten or so years all the cars that I have driven have been under someone else’s name so I had not had auto insurance of my own until I bought two new cars earlier this year in January. I have pretty bad credit so I did quite a bit of insurance shopping before I purchased. After shopping around for about a week I found that Geico was able to offer me the best rate and were in my opinion the easiest to deal with so I purchased insurance through them.
They were able to offer me a lower deductible while providing me with a little bit more insurance than their competitors at a little bit lower price. I think I ended up paying about eighty dollars less every six months by going with Geico than I would have if I had purchased from the next most affordable provider. I have only had Geico insurance for about four months now and so far everything has been fine. I am very impressed with how well they do at providing service for their customers over the phone.
Every time that I have called them there has been zero wait and the person on the other end of the phone was very willing and able to assist me with whatever my insurance question. Despite being so pleased with the service that their telephone customer reps provide I have spent some time snooping around their website and I have to say that it is very well organized and is very easy to navigate.
From what I can tell you could take care of about insurance related need that would arise through the options that are provided on their site. I have not had any claims but judging on my overall experience with Geico so far I would imagine that the claims process would go as smoothly as everything else has so far with them. The only potential draw back that I can see so far is that when I signed up with Geico I was not assigned a dedicated agent to handle my questions and claims.
I could potentially see this being a negative if down the line if something bad happened and I had to file a claim I wouldn’t have a professional who I had built a relationship with working with me to resolve my problem. I would just be working with whoever happened to be assigned to my insurance claim.
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Ginger N
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I first used GEICO as my car insurer in 2006. I had previously been insured by Allstate, but I became unhappy with the cost, so I started looking for other insurers. GEICO offered a very good price so I switched to them. Initially, had no problems with GEICO at all. It was very easy for me to renew my policy online every 6 months, and I never had any reason to contact them at all. I never spoke to anyone at GEICO, as I set my policy up online, downloaded policy documents and insurance cards online, and paid online.
There was never any reason to contact them, and I was very happy with the relationship. When I was insured by Allstate, they seemed to email me regularly trying to see me other products, such as renters insurance, but GEICO never contacted me. In January of 2011, I was in a car accident with two other cars. I was the third car in a line of cars, and I hit the car in front of me, which had hit the car in front of him.
After the accident, I got out of my car to talk to the other two drivers. As it turned out, they were friends, with the second one following the first one. When the accident occurred, I was paying attention, looking forward, and I was not on my cell phone, eating, listening to music, or doing anything else that would have been distracting, and there was no one else in my car.
I know that I did not see brake lights on the car in front of me before I hit it. The driver stopped very suddenly, and I slammed on the brakes, but hit the car anyway. I exchanged information with the other two drivers, and the driver of the car I hit admitted that he had hit the car in front of him before I hit his car. He wrote down what happened so that I would have documentation. I called GEICO to report the accident, and they said they would investigate.
The person I talked to asked if either of the other drivers was injured, and what the extent of the damage was to their cars. She then asked if I was okay, but it seemed to just be an afterthought. Her main concern was obviously the extent to which the other drivers might have a claim. I explained how the accident occurred, and that I had a note written and signed from one of the other drivers regarding how the accident occurred. She said they would be back in touch with me once they were done with their investigation, and she asked me to upload the signed note I had to the website.
I uploaded that as well as some pictures I had taken of the damage to all three involved cars. It took them 6 months to complete their investigation, and when they did, they ruled that I was at fault for all of the damage to all three cars. I called to ask how I could have been considered at fault for the damage to the rear of the first car, and the front of the second car when the second car hit the first car before I hit the second car.
The representative said that they didn’t know that. I mentioned that I had uploaded the note stating that that is what happened, and the representative checked and said, “oh yes, I see that.” Both drivers had subsequently claimed that I was the one to cause the accident and that I pushed the second car into the first car. I asked why they didn’t take the note the second driver into account, and they said that it wasn’t worth their time to fight the case given that I only had liability and that my premium was low.
The rep also said that the only reason it takes six months to investigate is because they just want to make sure that there are no medical claims that come up. My policy then increased by 50%. I find it appalling that the fact that I have a low premium due to only having liability means that they will not take into account information that I uploaded to them, and that they will increase my premium substantially because of their lack of interest in putting any time into looking at this claim.
I had much better service through Allstate when I had an accident many years ago, and I think it is worth the extra cost to be insured by a company with better service, and more concern for how I am doing after an accident. I will be going back to Allstate as soon as my current policy ends.
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Mike B
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|I have been with Geico for over 8 years, and it has been a very good experience. The most important aspect of why I continue to do business with Geico is because of their excellent customer service. You can always tell when a company is run with customer service as a top priority. Geico is one of those companies. While I have not had any specific accidents to speak of, I have had regular interaction with the Geico customer service team.
One of my first chances to test the quality of Geico Customer service, was when I had lost my job and needed to greatly reduce expenses across the board. I called customer service and asked them to go over each and every item on my policy with me. Line by line the friendly lady on the other end of the phone explained to me exactly what each item was and if it was mandatory to have in my state. Being a good drive, I was comfortable with removing unnecessary coverage.
I made it very clear that I was interested in reducing my car insurance expense as much as possible. She was extremely helpful, and went out of her way to find anything on my policy that could be changed of removed to lower my semi-annual bill. She then went even further, and searched a long list of possible memberships, companies and associations to find one that I might be able to use to further lower my bill. She ended up finding one, and it worked. She spent a good amount of time with me on the phone that day.
She jokingly mentioned that she had never seen a bi-annual insurance payment as low as we were able to get it to on that day. She then asked if there was anything more she could do and asked if i would mind filing out a survey rating her customer service skills. I said, “certainly” and received the survey by email shortly after hanging up the phone with her. Never having had an accident certainly has helped keep my car insurance to a minimum, but by Geico going the extra mile to help me out, goes a long way in building loyalty on my part.
I’ll continue to be a loyal Geico customer knowing that if there ever is an issue or even a car accident that excellent customer service is but a phone call away. Not to mention that in doing a recent online search, I found that Geico still has some of the lowest rates in the industry. Yet, more reason to go with Geico and stay with Geico. I’m quite satisfied.
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Sandra A
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|I have used Geico Auto Insurance now for several years. My car broke down in 2007 and I did not have the money to purchase a new one. The insurance company I was with would not work with me to keep my self covered on insurance. I did not want a break in coverage, makes it very expensive to begin again and removes all of your past good standing. So my mother called up Geico and asked them if I could be put onto her policy. They were more than happy to help us out and with a few short minutes my coverage was changed over.
This past month I have finally purchased my own vehicle again and I called around to see what rates I could get on my own. I wasn’t liking what I was seeing, so I called up Geico and see what the rates would be for me going onto my own policy. The customer service guy was amazing. His name was Jamal, and he was very nice and polite. I called very early in the morning and was not even expecting to get anyone on the phone in all honesty.
But Jamal walked me through all the steps, and even got my mother on a three way phone call so we could do all the switching of policies. He helped me set it up so not only did I pay half of what everyone else wanted to charge me, but since I had been on my mothers insurance he gave me automatic accident forgiveness, several discounts, and worked on a payment arrangement for me. They also are setting me up with a cheap, but well covered rental insurance.
After it was all said and done they also gave my mother a new discount and a rebate for having me on her insurance and keeping me with their company. Geico Insurance has worked with me a lot, and has rushed the documents to me so I could get the car legal and have proper proof of coverage. They not only emailed me the documents to download, but it was only a couple of days to get the actual copies in the mail.
Also my pay date fell on a weird schedule and didn’t quite match up when I needed the insurance to start, but they had no problems with taking the initial payment, and then rescheduling my due date with just a small pro rated charge for the change of days onto the next bill. I had been warned that Geico was one of the more expensive companies out there, and to shop around. But at the end of the day I am very happy to say I am a Geico member, and that for me, they were the cheapest around, and they offered me more coverage for the price.|Geico works with me.|
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Anna M
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When you buy a car the last thing on your mind is if the car insurance is who you are going to go with. It’s like house insurance and life insurance you really don’t care, it’s not like these people are going to be seeing you every day of your life, eating breakfast and talking to you.
No, all they will be doing is doing their job and that’s all you can hope for them to do. Now when I started with Geico I knew that all of the pricing for competitors were the same, I was going to get the same insurance plans that Allstate and State Farm but with Geico. When I speak to an insurance sales representative and they are rude I will instantly hang up the phone.
The same can be said about anything else. If you talk rude to me or is really grumpy and upset my day then I a going somewhere else; It’s not like you have the cheapest rates or even have a special package that no one else has. It’s a lie when a car insurance company says they have the cheapest rates and will save you 20 to 30 dollars less than the competitors.
They are just pulling that figure out of their but, there is no way they can save you that much money and be competitive. What they are doing is simply taking out bits and pieces from your plan to make it cheaper for you. All insurance companies can do that. With Geico I felt great from the start, the sales representative made me and my husband feel like we were worth a million dollars. That’s the feeling I want when I go anywhere, I want a boost in my self-esteem.
When I finished talking to the first representative I was transferred to another and that conversation I thought was going to be just like the other car insurance companies, bland and ready to take your money. I was wrong; the second Geico representative was great. He was friendly and courteous and was great answering the dozens of questions that me and my husband had for him. It was an experience that was worth signing up for Geico for a long term type of commitment.
Right now I feel that Geico is my all-in-one insurance company and that they will stay that way until I feel ready to do so. Maybe in the future I will change and if my experience is the same then I’ll stick with Geico for another year but if not it’s back to the drawing board.
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Claudio S
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I’ve been with GEICO for over five years and everything seemed to work fine since I didn’t have an accident. I did notice my bill got higher one year unexpectedly, so I contacted them and discussed why I had received a higher bill for the next six months since I had not been in any accidents and my bill was going down for every year before then. They were courteous and explained to me that Pennsylvania had a change in policies for that year and that automotive insurance plans had gone up across all insurance providers throughout the State.
We then started taking a look at my coverage and went into some options that ultimately brought down my costs about 40%. I did sacrifice some coverage, but the experience had me feeling that I could have been saving 40% for the years prior. The real test of my insurance provider came when my wife did in fact have an accident. She was parked in our driveway and taking out the groceries as the large minivan somehow lost its Park shift and went into neutral.
Our two year old daughter was in the back seat, and my wife tried to run after the van to save our daughter. She tried jumping into the driver’s seat without luck, then she tried to place her hand on the emergency brake in an effort to stop the van. Unfortunately, the van’s door smashed my wife against a pine tree, dragging her to the floor, fracturing a spine, and rupturing her kidney.
She was taken to a hospital where I met with her, and doctors told me she needed to be flown to a specialty hospital or she could die in a matter of hours. She made it to the hospital in time, and she would spend the next four weeks in the hospital and the following seven months in recovery and is in physical therapy and well today. Thankfully, our daughter was safe and unharmed.
It was early during that difficult time that I had to manage many things in my life as a result of the accident, and having to call and deal with GEICO was one of them. My experience with GEICO was incredibly easy and pleasant, and I worked with one person assigned to my case exclusively. All the payments that were made to doctors and hospitals came right on time after the initial conversation and information gathering, and I was kept in touch without the contact being too intrusive.
I would say that the coverage I had was $10,000, and that amount was exhausted within the first day of bills. The costs came to over one million dollars, and my health insurance took over the rest with some moderate out of pocket costs. But the portion that was covered by GEICO was handled very well.
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