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GEICO Car Insurance Company Review – GEICO Auto Insurance Guide

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What do a talking gecko and cavemen have in common? Both have become household names, representing just how easy it is to get great auto coverage with GEICO car insurance company. What started in the mid-1930s, the Government Employees Insurance Company (GEICO), has become one of the most well-known and highly respected companies in the nation.

With all the auto insurance companies out there, what makes GEICO so special? Well, other than their spokes-gecko-man, they really do have a lot to offer their customers. Leo Goodwin, founder of GEICO, and his wife Lillian worked hard at bringing low costs to specific target groups, while still being able to make a profit. Today, GEICO car insurance company’s policyholders still receive excellent coverage, low prices and outstanding customer service, due to the options and services GEICO offers.


Unlike some insurance companies that close during certain hours of the week, GEICO auto insurance company provides 24-hour service, 7 days a week, 365 days a year. This means, there will always be a representative there to help you no matter what time of the day your accident occurs. Even if you’re just in need of some answers, one of GEICO’s highly trained representatives will be there to put any of your questions to rest, so you can have peace of mind about your auto or property coverage.


Not only does GEICO car insurance company give your car protection, it gives protection to your motorcycle, ATV, boat, home, mobile home and apartment. Other great bonuses they offer are flood and life insurance, as well as umbrella protection. What umbrella protection does is add an additional layer of protection on top of the liability that comes with your standard policies.

Moving overseas or just going on vacation? GEICO will also take care of getting whatever you need insured. International Insurance Underwriters Inc, a subsidiary of GEICO, will make sure you have everything needed for crossing the border.

Financial Strength

In all reality, when an insurance company isn’t financially stable, they will not be able to cover payment of your claim. Not only does that cause you unnecessary frustration, but it also causes you to pay out of pocket. With GEICO auto insurance company, your mind can be at ease. GEICO has received some of the highest ratings from Standard and Poor’s, Moody’s and A. M. Best. The American Customer Satisfaction Index even rated GEICO as the number one property casualty insurer in the nation.


The discounts GEICO offer vary, from vehicle discounts to individual discounts. GEICO auto insurance reviews company offers special discounts for students, seniors, federal workers and people serving in the military.

Privileges Plan and Other Programs

Signing up for the GEICO Privileges allows you to save money at certain brand-name retailers for your home, automobile, shopping, entertainment and travel needs.

Some retailers you can start saving with thanks to GEICO Privileges Program are:

  1. AutoSport
  2. Barnes & Noble
  3. Alamo
  5. Direct TV
  7. JC Penney Portraits

To find more participating retailers, visit the GEICO website.

Other programs GEICO car insurance offer, are the Military Program and Federal Program.
Working hard to “serve those who serve,” GEICO has a created the Military Assistance Team (MAT), staffed with individuals who have served our country. These individuals are dedicated to helping those that serve in all branches of the military find the best fit when it comes to insurance.

Originally created to insure federal employees, GEICO has worked over the past 60 years and strengthening that relationship. Today, their federal program participates in the following organization and programs.

GEICO Public Service Awards (GPSA)
GEICO Federal Leave Record Cards
Health and Safety Fairs
Combined Federal Campaigns
Child Seats
Public Employee’s Roundtable
Federal Employee Education and Assistance Fund
Compare Quotes From GEICO with Quotes From Other Insurers
With all the auto insurance companies out there, it can be very tedious picking the one that works best for you and your needs. Due to its high ratings and excellent customer service, GEICO car insurance company is definitely worth checking out.

Ocean Harbor Casualty Insurance Organization

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Mandatory coverage in Florida’s auto insurance regulation includes PIP and PDL, but Ocean Harbor Casualty Insurance also offers optional coverage to finish the protection. Considered one of the optional coverage possibilities is Uninsured Motorist, which pays compensations for policyholders’ injuries inside the party of the accident with anyone who has no auto insurance or insufficient amount of insurance coverage limit. Uninsured Motorist coverage also addresses medical expenses on account of hit-and-run occurrences.

Collision Coverage

If PDL handles the cost for damages policyholders trigger to others’ properties, Collision Coverage by Ocean Harbor Insurance handles mend or replacement charge for policyholders’ cars and trucks. It only applies when damages occur since of an accident with an additional vehicle.


Complementary to Collision, Comprehensive Coverage covers damages due to the fact of non-accident factors for examples fire, theft, vandalism, natural disasters, falling objects, animals, and all other losses of which the policy would not specify. Digital and seem products while in the motor vehicle is exclusions. Equally Collision and Comprehensive are offered for personal car, not rental or any car that policyholders use for a temporary substitute.

Roadside Assistance

Apart in the standard mandatory and optional coverage, Ocean Harbor Casualty Insurance offers 24-hour Emergency Roadside Guidance for an additional fee with either annual or 6-month payment option. This dispatch program is available for any car which the insurance policy specifies. Roadside aid includes a single emergency service for each and every 72 hours. The program covers the following providers:

· Battery Support: a booster battery that will help begin the vehicle

· Lockout Company: assistance through lost key or lockout situation

· Delivery Provider: the company delivers an emergency supply of fuels, oils, waste, and all necessities that can be handy for policyholders. Delivery provider handles the transportation, meaning policyholders choose the supply and pay for your merchandise.

· Mechanical Aid: it includes minor adjustments or very simple repairs to enable a motor vehicle.

· Towing Provider: Ocean Harbor Insurance provides free towing provider within 25 miles. If outdoors the distance limit, policyholders need to shell out to the variation.

Auto Rental Reimbursement

Ocean Harbor Auto Insurance also provides rental reimbursement option around

20 for any maximum of 10 times. It applies when policyholders’ motor vehicles are less than servicing or fix due to a collision.

Hit & Operate and Theft Protection

Ocean Harbor Insurance offers

500 rewards for anyone (other than policyholders) who files reports that direct to your arrest and conviction of anyone responsible for hit & operate damage or theft. The company gives the rewards to anyone on file with all the law enforcement.