With the price of everything going up, many are reconsidering their automobile insurance coverage these days. Who could blame anyone? When the bills go up but your paycheck stays the same, you want to be sure that every dollar is going in the right places. To be sure, both of these insurance options offer a lot of ways to save you a buck or two on automobile insurance, but how do they stack up otherwise? Is the savings so significant that it warrants a switch? Are you trading dollars saved just to have headache and a bunch of disappointment when you file a claim?

How They Are Alike

First, let’s talk about what is the same between and Geico. That will help you wade through the murky waters of online content and just get down to brass tacks. For starters, they both have an online tool to help you get your own personal insurance quote within minutes so you can really figure out, dollar-for-dollar, whether or not their policies are on the same page as your current one. Be careful when you put your information in on either of these tools. You need to make sure the coverage is exactly the same as what you have now, don’t get dazzled by the initial rock bottom rate. The tools will both only quote you on minimum coverage until you go in and individually select what you already have. Once you verify the coverage, now you can look and see what the financial differences are.

Both of them have easy-to-use web sites. If you want to find things in a jiffy, if you don’t want to be searching all over the page for what you need, both of these web sites are well-designed and created to make the user experience the best it can be. Kudos to both companies for taking the time to care about how their customers interact with their website.

No matter which company you go with, they offer attractive discounting for good driving records and also offer student rates. The different ways that they come up with to make sure that you are getting the best rate that you can are comparable to each other. Both companies seem to be interested in helping the consumer feel like they got a good deal. Who doesn’t want that?

What is Different About

The most glaring thing that is different about Costco Auto insurance vs. Geico is that it isn’t really Costco offering you this auto insurance, it is actually Ameriprise. To be sure, Ameriprise is a large company that has been offering consumers insurance for quite some time, but Costco is not in the insurance business, Ameriprise is. What they offer Costco members is a significant discount and some perks for buying auto insurance with the Costco member discount. However, if you are not a Costco member, you cannot take advantage of the benefits.

Costco also offers other types of insurance to its members through Ameriprise such as Homeowners, Condo, Renters Insurance and other types of coverage. With Geico you just get an auto policy. If you need more than just auto insurance, it might be worth your while to see what you can get as far as bundled coverage with Costco compared to buying individual policies with a few different companies. It could be that with the individual coverage, it is more cost-effective to go with a bundled package and the convenience of one-stop shopping. Also, you could read my last post for the .

What’s So Great About Geico

Geico has excellent value for the money, hands down. Their rates are the way that they are because they do not have the overhead of agents and office locations. The automated, streamlined process is a significant savings to the company and thus to you. also has a handy mobile phone application that you can use to manage your policy with. Who doesn’t love the convenience of modern technology?

The Verdict -Who Wins On Costco Auto Insurance vs. Geico

The truth is, the better one is in the eye of the beholder. Once you look at them side-by-side, you will see that they have very comparable offerings. You really can’t compare rates unless you put in your personal information and coverage limits in order to really get a clear picture of which one will save you the most money. Also, not all insurance carriers offer coverage in all states. You will have to contact them and find out if they do business in your state. If technology is how you like handle your own personal business these days, chances are that you will likely find Geico easier to interact with. No matter which of these two you choose, both have an excellent consumer reputation so you are covered on all sides of the consumer experience as well.