Cheap Auto Insurance Tips

Geico vs Progressive Car Insurance

Car insurance is one way that consumers can save money; therefore, individuals want to think carefully before choosing a car insurance company. Geico and Progressive are two of the most common names when it comes to auto insurance.

Rates Many people choose their car insurance strictly based on the cost. For a six month premium, Progressive is approximately 10 percent higher than Geico. Geico normally gives more discounts to customers, so the cost tends to be lower. Customers can get a discount based on safe driving, and they might get a discount based on a high credit score.

However, Progressive has started the “Snapshot” program. With this program, a small apparatus is placed in the vehicle, and it keeps track of the amount of miles that are put on the car. It also keeps record of when the car is driven, when the brakes are used and when the driver accelerates. If the customer proves he is driving carefully, a substantial discount could be granted.

Claims When choosing an auto insurance company, consumers want a company that responds to claims in a timely fashion. Customers hope to never file a claim; however, if a person should have an accident, he wants the insurance company to act fast, proficiently and considerately. Both Progressive and Geico have quick responses to accidents. Progressive sends Immediate Response Vehicles to accelerate claims processing. Adjusters will visit the scene of the accident to evaluate the site. The company will take the vehicle to a shop to have an estimate done, so that they necessary repairs can be made.

Geico employs the Auto Rapid Repair method. The company will help obtain an estimate of damages, and it will help the customer get a rental car. They will ensure that consumers are back on the roadways as soon as possible.

Customer Service Both Progressive and Geico contain quality customer service. Geico has been known to try to convince customers to upgrade their coverage when they call customer service. However, both companies have representatives who are friendly and helpful.

Payment Choices Most car insurance companies have convenient ways to pay the bills. Progressive offers automatic withdrawals, so the consumer informs them when they want the money taken from the account, and it is done. Geico also offers automatic withdrawals; however, the process is more complicated. Customers are required to mail a letter that includes a signature and voided check. Both companies allow customers to pay their bill using their online account.

Insurance Options With both Geico and Progressive insurance, customers can obtain insurance for cars, motorcycles, ATVs, RVs, boats and commercial vehicles. Consumers can also purchase homeowner’s insurance and renter’s insurance.

The bottom line is that both Geico and Progressive contain reasonable fees and excellent customer service. Consumers should obtain quotes online and evaluate both companies to see which is better for them. They can then have confidence that their needs will be met if an accident should occur.