With so many different coverages, it's hard to know what's right for you. Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget. Learn about types of auto insurance coverage with GEICO.
Car insurance helps provide financial protection for you, your family, other passengers, and your vehicle. You can choose the amount of protection by selecting your coverages and limits. An auto insurance policy can provide coverage for:
Your auto insurance policy consists of multiple coverages that provide protection in different situations involving your vehicle. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.
To better understand your policy, there are several insurance terms you should know:
When you compare car insurance rates, make sure they're for the same coverages, deductibles, and limits. Shopping for car insurance is easy and fast with GEICO. Learn more about how auto insurance rates are determined.
First, let us clarify that there's no such thing as "full coverage." Some people may say "full coverage" means the minimum liability coverages for their state, comprehensive coverage and collision coverage. But it could also mean something else. Ultimately, you should choose the coverages that are right for you. "Full coverage" is an insurance myth.
What are the different types of coverages? Auto insurance includes liability coverages, vehicle coverages, coverages for yourself, and other optional coverages.*
For serious accidents, you want enough insurance to cover a judgment against you in a lawsuit without jeopardizing your personal assets. Therefore, it's a good idea to have the same level of bodily injury coverage for all your cars. You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.
You may be able to lower your premium if you select a higher deductible. If you have an older vehicle you may want to consider whether you need these coverages as they are normally limited to the cash value of your car.
There's a lot to learn about auto insurance coverages. If you have questions, contact our licensed insurance agents at (800) 861-8380.
The right amount of auto insurance coverage comes down to your needs, budget, and state requirements. Some things to keep in mind when choosing your coverage are:
We recommend checking your state insurance minimums and reviewing all coverage options to make sure you have the right coverage. Our Coverage Calculator can help you find the right amount of coverage and the right deductible to fit your budget.
Five reasons to buy an auto insurance policy from GEICO:
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
*Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Coverage is subject to the terms, limits and conditions of your policy contract.
**Customer satisfaction based on an independent study conducted by Alan Newman Research, 2020.
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