Want to know how much you could save on insurance? Getting a quote on the GEICO app is incredibly easy and can be done in just a few minutes. Whether you're looking for auto, motorcycle, renters, or even homeowners insurance, the GEICO app streamlines the process, putting convenience right in your pocket. Let's dive in and get you that quote!
Your Step-by-Step Guide to Getting a Quote on the GEICO App
Step 1: Download and Open the GEICO App
First things first, you'll need the GEICO Mobile app.
- For iOS users: Head to the App Store.
- For Android users: Go to the Google Play Store.
Search for "GEICO Mobile" and download the app. It's free and user-friendly! Once downloaded, open it up. You'll likely see a clean, intuitive interface.
Step 2: Initiate Your Quote
Upon opening the app, you'll usually see prominent options.
- New User? If you don't have a GEICO policy or account yet, look for a button like "Get a Quote," "Start a New Quote," or "Auto Quote." This is your starting point.
- Existing User? Even if you're an existing policyholder, you can still get a quote for new policies or add vehicles/drivers. You might need to log in first, and then look for "Get a Quote" or similar options within your account section.
Step 3: Select Your Insurance Type
GEICO offers a wide range of insurance products. The app will likely ask you what type of insurance you're looking for.
- Common Options:
- Auto Insurance: This is the most popular, and often the first option you'll see.
- Motorcycle Insurance
- ATV Insurance
- RV Insurance
- Homeowners Insurance
- Renters Insurance
- Condo/Co-op Insurance
- Boat/Personal Watercraft Insurance
- Umbrella Insurance
- Life Insurance
- And many more!
Select the insurance type you need a quote for. For this guide, we'll primarily focus on Auto Insurance as it's the most common use case, but the process is similar for others.
Step 4: Provide Vehicle Information (For Auto/Vehicle Quotes)
This is where you start entering the specifics of what you want to insure.
-
Vehicle Details: You'll be prompted to enter information about your vehicle(s).
- Year, Make, Model: Input the basic details of your car.
- VIN (Vehicle Identification Number): While not always required initially, providing your VIN will ensure the most accurate quote. It helps GEICO identify your exact vehicle, including its trim level and safety features. If you don't have it handy, you can often proceed and add it later, but your rate might adjust.
- Primary Use: Is the vehicle used for commuting, pleasure, business, or ridesharing? Choose the option that best describes its primary purpose.
- Annual Mileage: Estimate how many miles you drive each year. Be as accurate as possible, as this influences your premium.
-
Adding Multiple Vehicles: If you have more than one vehicle to insure, the app will usually give you an option to "Add another vehicle" after you've entered the first one.
Step 5: Enter Your Personal Information
GEICO needs to know about you and any other drivers.
- Driver's License Information: You'll need your valid driver's license number.
- Personal Details:
- Name and Date of Birth: Self-explanatory!
- Gender and Marital Status: These factors can influence your rate.
- Address: Provide the address where the vehicle will primarily be garaged or where you reside. Your location significantly impacts your premium due to local accident rates, theft statistics, and even weather patterns.
- Driving and Claims History: This is a crucial part.
- You'll be asked about any accidents, tickets, or claims you've had in a recent period (e.g., the last 3-5 years). Be honest! Insurance companies verify this information, and discrepancies can lead to issues later.
- Adding Other Drivers: If other people will be driving the insured vehicle(s) regularly (e.g., family members), you'll need to add their details as well, including their names, dates of birth, and driving history.
Step 6: Customize Your Coverage and Deductibles
This is where you tailor the policy to your needs and budget.
-
Understanding Coverages: GEICO will present various coverage options.
- Liability Coverage: This is typically required by law and covers damages you might cause to others in an accident (bodily injury and property damage). You'll select limits (e.g., 100/300/50, meaning $100,000 per person for bodily injury, $300,000 per accident for bodily injury, and $50,000 for property damage).
- Collision Coverage: Pays for damage to your car if you hit another vehicle or object, regardless of fault.
- Comprehensive Coverage: Covers damage to your car from events other than collisions, such as theft, vandalism, fire, natural disasters, or hitting an animal.
- Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident with a driver who has no insurance or insufficient insurance.
- Medical Payments/Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
- Optional Coverages: You might also see options like Roadside Assistance, Rental Reimbursement, or Mechanical Breakdown Insurance.
-
Deductibles: For Collision and Comprehensive coverage, you'll choose a deductible. This is the amount you pay out-of-pocket before your insurance kicks in. Higher deductibles usually mean lower premiums, but you'll pay more upfront if you file a claim. Lower deductibles mean higher premiums.
-
GEICO's Coverage Calculator: The app often has tools, like a "Coverage Calculator," that can help you understand what limits and deductibles might be suitable for your situation. Don't rush this step; it directly impacts your protection and cost.
Step 7: Review Your Quote
Once you've entered all the necessary information and selected your coverages, the GEICO app will generate your personalized quote.
- Examine the Details: Carefully review everything. Check all the vehicle details, driver information, and especially the selected coverages, limits, and deductibles.
- Compare Options: GEICO may present a few different quote options with varying levels of coverage and corresponding prices. This allows you to easily compare and find what fits your needs and budget.
- Look for Discounts: The app will typically automatically apply eligible discounts (e.g., multi-car, good driver, military, federal employee, multi-policy). You might also be prompted to answer questions that could unlock more discounts.
Step 8: Save or Purchase Your Policy
At this point, you have a few choices:
- Save Your Quote: If you're not ready to buy immediately, you can usually save your quote for later. This allows you to come back to it without re-entering all the information. GEICO often sends an email with a link to your saved quote.
- Adjust and Re-Quote: If the price isn't what you expected, you can go back and adjust your coverage limits, deductibles, or even remove optional coverages to see how it impacts the premium. The app makes this very easy.
- Purchase Your Policy: If you're satisfied with the quote, you can proceed to purchase the policy directly through the app. This will involve providing payment information.
10 Related FAQ Questions
How to access the GEICO app?
You can access the GEICO app by downloading it from the Apple App Store (for iOS devices) or the Google Play Store (for Android devices). Once downloaded, simply tap the app icon to open it.
How to start a new quote if I already have a GEICO policy?
Even as an existing GEICO policyholder, you can start a new quote for a different type of insurance or a new vehicle within the app. After logging in, look for a "Get a Quote" or "Add a Policy" option, typically found in the main menu or policy overview.
How to find my VIN for a quote?
Your Vehicle Identification Number (VIN) can typically be found on your car's dashboard (viewable through the windshield on the driver's side), on the driver's side door jamb, or on your vehicle's registration or insurance documents.
How to get discounts on my GEICO quote?
GEICO automatically applies many eligible discounts. However, you can also look for sections that ask about specific situations (e.g., safe driver programs like DriveEasy, bundling policies, good student discounts, military affiliation) to ensure all potential savings are applied.
How to compare different coverage options within the app?
The GEICO app often allows you to modify coverage limits and deductibles directly within the quote review screen. As you make changes, the premium will update in real-time, letting you compare costs for different levels of protection.
How to save a quote on the GEICO app?
After generating a quote, there's typically an option to "Save Quote" or "Save for Later." This will allow you to retrieve it later without having to re-enter all your information. You might receive an email with a link to your saved quote.
How to retrieve a saved quote on the GEICO app?
If you saved a quote, you can usually retrieve it from the app's home screen or by logging into your account. Look for an option like "Retrieve Saved Quote" or "Continue a Quote." You'll often need to enter some basic identifying information.
How to pay for a policy through the GEICO app?
Once you decide to purchase a policy, the app will guide you through the payment process, allowing you to use a credit/debit card or set up direct debit from your bank account.
How to get help if I have issues with the GEICO app quote process?
If you encounter any difficulties, the GEICO app usually provides options to "Contact Us" or access an "FAQ" section. You can typically find phone numbers for customer service, a chat feature, or even locate a local agent.
How to know what information I need before starting a quote?
To get the most accurate quote quickly, have your driver's license number, the Vehicle Identification Number (VIN) for all vehicles you want to insure, the physical address where your vehicles will be stored, and your driving and claims history readily available.