American Family vs Geico Car Insurance for 2023

Choosing the right car insurance provider can be a daunting task, especially with so many options to choose from. American Family and Geico are two of the most popular car insurance companies in the United States.

If you’re in the market for car insurance and considering either of these two companies, you’re in the right place.

In this article, we’ll compare American Family car insurance vs Geico car insurance, their products, services, costs, discounts, and customer reviews to help you make an informed decision.

History and Mission: American Family vs Geico Car Insurance

American Family was founded in 1927 and is headquartered in Madison, Wisconsin. The company’s mission is to inspire, protect, and restore dreams through their insurance products and services. They offer auto, home, renters, life, business, and farm and ranch insurance in 19 states across the country.

Geico, on the other hand, was founded in 1936 and is headquartered in Chevy Chase, Maryland. Their mission is to provide affordable and high-quality insurance products to their customers. Geico offers auto, home, renters, life, business, and pet insurance in all 50 states and the District of Columbia.

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Coverage Options With American Family vs Geico

American Family and Geico offer a variety of products and services to meet their customers’ insurance needs. Here’s a more detailed overview:

American Family Products and Services:

• Auto insurance: American Family’s auto insurance policies offer liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. They also offer accident forgiveness, emergency roadside assistance, rental reimbursement, and rideshare insurance.
• Home insurance: American Family’s home insurance policies cover damage to your home, personal property, and other structures on your property. They also offer liability protection and additional coverage options, such as water backup and identity theft.
• Renters insurance: American Family’s renters insurance policies cover damage to your personal property and provide liability protection in case someone is injured on your rented property.
• Life insurance: American Family offers various life insurance options, including term life insurance, whole life insurance, and universal life insurance.
• Business insurance: American Family’s business insurance policies offer coverage for property damage, liability, and business interruption, as well as specialized coverage for specific industries, such as agriculture and hospitality.
• Farm and ranch insurance: American Family offers a variety of insurance options for farms and ranches, including coverage for farm machinery, livestock, and crops.

Geico Products and Services:

• Auto insurance: Geico’s auto insurance policies offer liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. They also offer mechanical breakdown insurance, rental reimbursement, and roadside assistance. Geico’s unique rideshare insurance policy is designed for drivers who use their personal vehicle for work purposes.
• Home insurance: Geico’s home insurance policies cover damage to your home, personal property, and other structures on your property. They also offer liability protection and additional coverage options, such as water backup and earthquake coverage.
• Renters insurance: Geico’s renters insurance policies cover damage to your personal property and provide liability protection in case someone is injured on your rented property.
• Life insurance: Geico offers term life insurance policies with coverage amounts up to $500,000.
• Business insurance: Geico’s business insurance policies offer coverage for property damage, liability, and business interruption, as well as specialized coverage for specific industries, such as professional liability for doctors and lawyers.
• Pet insurance: Geico offers pet insurance policies that cover accidents, illnesses, and wellness care for cats and dogs.

Cost of American Family vs Geico

The cost of insurance for both American Family and Geico can vary depending on a number of factors, such as the type of coverage you need, your location, your driving record, your age, and the type of vehicle you drive.

It’s important to keep in mind that these are just averages, and your actual cost may be higher or lower depending on your individual circumstances. The best way to find out how much insurance will cost you from each company is to get a quote.

Discounts Available With American Family vs Geico

Both American Family and Geico offer a variety of discounts to their customers, which can help you save money on your insurance premiums. Here’s a breakdown of the discounts offered by each company:

American Family:

• Multi-Vehicle Discount: If you insure more than one vehicle with American Family, you may be eligible for a multi-vehicle discount.
• Bundling Discount: If you bundle your car insurance with another type of insurance, such as home or life insurance, you may be eligible for a bundling discount.
• Safe Driver Discount: If you have a clean driving record, you may be eligible for a safe driver discount.
• Low Mileage Discount: If you don’t drive your car very often, you may be eligible for a low mileage discount.
• Defensive Driving Discount: If you complete a defensive driving course, you may be eligible for a discount on your car insurance premiums.
• Good Student Discount: If you’re a student with good grades, you may be eligible for a good student discount.
• Young Volunteer Discount: If you’re a young volunteer, you may be eligible for a discount on your car insurance premiums.

Geico:

• Multi-Vehicle Discount: If you insure more than one vehicle with Geico, you may be eligible for a multi-vehicle discount.
• Bundling Discount: If you bundle your car insurance with another type of insurance, such as home or renters insurance, you may be eligible for a bundling discount.
• Safe Driver Discount: If you have a clean driving record, you may be eligible for a safe driver discount.
• Military Discount: If you’re a member of the military, you may be eligible for a military discount.
• Federal Employee Discount: If you’re a federal employee, you may be eligible for a federal employee discount.
• Good Student Discount: If you’re a student with good grades, you may be eligible for a good student discount.
• Emergency Deployment Discount: If you’re deployed in an emergency situation, you may be eligible for a discount on your car insurance premiums.

It’s important to note that these discounts may not be available in all states, and the availability and amount of the discounts may vary depending on your location and other factors. To find out which discounts you may be eligible for, it’s best to contact the insurance company directly or speak with an agent.

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FAQs

Here are some common FAQs for both American Family and Geico car insurance:

American Family:

Q: How do I file a claim with American Family?

A: You can file a claim with American Family by phone, online, or through the American Family mobile app.

Q: How do I pay my American Family car insurance premiums?

A: You can pay your premiums online, by phone, by mail, or through automatic payments.

Q: How can I lower my car insurance premiums with American Family?

A: American Family offers a variety of discounts, including multi-vehicle, bundling, safe driver, low mileage, and good student discounts.

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers roadside assistance as an optional add-on to your car insurance policy.

Q: Does American Family offer car insurance in all states?

A: American Family offers car insurance in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Geico:

Q: How do I file a claim with Geico?

A: You can file a claim with Geico by phone, online, or through the Geico mobile app.

Q: How do I pay my Geico car insurance premiums?

A: You can pay your premiums online, by phone, by mail, or through automatic payments.

Q: How can I lower my car insurance premiums with Geico?

A: Geico offers a variety of discounts, including multi-vehicle, bundling, safe driver, military, and good student discounts.

Q: Does Geico offer roadside assistance?

A: Yes, Geico offers roadside assistance as an optional add-on to your car insurance policy.

Q: Does Geico offer car insurance in all states?

A: Yes, Geico offers car insurance in all 50 states and the District of Columbia.

Roundup: American Family vs Geico

In conclusion, both American Family and Geico are well-established and reputable car insurance companies with a long history of serving customers across the United States. Both companies offer a range of car insurance products and services, including liability, collision, and comprehensive coverage, as well as various add-ons such as roadside assistance and rental car coverage.

Ultimately, choosing the right car insurance company depends on your individual needs and preferences. It’s important to compare rates and coverage options from multiple providers and speak with an agent to find the best policy for your situation.

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