Geico vs National General Car Insurance for 2023
Exploring Geico and National General car insurance reveals insights into their histories, coverage options, pricing, and customer feedback, enabling informed decisions for your car insurance needs.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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In the realm of car insurance rates, Geico and National General present varying cost structures across different customer profiles. Analyzing factors like driving history, credit score, and coverage level, Geico emerges as a more favorable option for those with clean records, offering significantly lower rates across the board. However, National General may cater better to specific circumstances, like offering competitive rates for low-mileage drivers despite having slightly higher premiums overall. Dive deeper into the data to discover how these companies align with your unique insurance needs.
| Factors | Geico | National General |
|---|---|---|
| Clean Record | $80 | $161 |
| 1+ Ticket | $106 | 212 |
| 1+ Accident | $132 | $266 |
| DUI | $216 | $434 |
| Poor Credit | $138 | $277 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Geico | National General |
|---|---|---|
| Anti Theft | 15% | 15% |
| Good Student | 12% | 12% |
| Low Mileage | 23% | 5% |
| Paperless | 8% | 10% |
| Safe Driver | 10% | 15% |
| Senior Driver | 22% | 8% |
Geico Car Insurance
Pros:
- Company History and Mission: Founded in 1936, Geico is the second-largest auto insurer in the United States. It emphasizes affordability, reliability, and excellent customer service.
- Product and Services: Geico offers a diverse range of coverage options, including liability, collision, and comprehensive coverage. The company extends its services beyond cars to include boats, RVs, and motorcycles.
- Pricing and Discounts: Geico provides competitive rates and various discounts, such as those for good drivers, military personnel, and federal employees. The company also offers bundle discounts for insuring multiple vehicles.
- Digital Features: Geico excels in providing cutting-edge digital and technological features, including a user-friendly mobile app, online account management capabilities, and a range of digital tools and resources.
- Customer Reviews: Geico generally receives positive reviews for its excellent customer service, claims handling, and willingness to provide coverage to a wide range of customers.
Cons:
- Customer Service: While overall positive, some customers have reported issues with billing and pricing, emphasizing the importance of thorough research before making a decision.
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National General Car Insurance
Pros:
- Company History and Mission: Established in 1920, National General has a long history of providing insurance with a mission to deliver high-quality products and excellent customer service, particularly focusing on high-risk drivers.
- Product and Services: National General specializes in coverage for high-risk drivers, offering services beyond standard coverage, including roadside assistance, identity theft protection, and mechanical breakdown coverage.
- Pricing and Discounts: National General offers competitive rates and discounts for policyholders who bundle their auto insurance with other types of insurance. Discounts are also available for maintaining a good driving record over time.
- Effortless Claims Handling: National General, like Geico, provides convenient ways for customers to file claims, with an emphasis on accessibility and ease of use.
- Customer Reviews: Positive feedback for National General includes its willingness to cover high-risk drivers and generally reliable claims handling.
Cons:
- Mixed Customer Service Reviews: Some customers have reported mixed reviews for National General’s customer service, with instances of long wait times and unhelpful representatives.
Best Overall: Geico vs. National General Car Insurance
After a thorough evaluation of Geico and National General car insurance, Geico emerges as the superior choice for several key reasons. Geico’s extensive history, commitment to affordability, and broad range of coverage options position it as the best overall car insurance provider.
Affordability and Discounts: Geico is known for providing competitive rates, catering to a wide range of customers. Their extensive discount options, including those for good drivers, military personnel, and bundle discounts for multiple vehicles, contribute to substantial cost savings.
Diverse Coverage Options: Geico offers a broad spectrum of coverage options, extending beyond standard auto insurance to include boats, RVs, and motorcycles. This versatility ensures that customers can find tailored coverage to meet their specific needs.
Digital Features: Geico excels in providing cutting-edge digital and technological features. The user-friendly mobile app, robust online account management capabilities, and a range of digital tools create a seamless and convenient experience for policyholders.
Positive Customer Reviews: Geico receives consistently positive reviews for its excellent customer service, efficient claims handling, and a willingness to provide coverage to a diverse customer base.
Geico stands out as the best car insurance company when considering rates, coverage options, digital features, and overall customer satisfaction. While National General has its strengths, Geico’s comprehensive offering and positive customer feedback make it the top choice for individuals seeking reliable and affordable car insurance.
Geico
Founded in 1936, the Government Employees Insurance Company, better known as Geico, has evolved into the second-largest auto insurer in the United States. Established to provide affordable and reliable insurance primarily to government employees, Geico has since expanded its customer base and coverage offerings.
The company gained widespread recognition through its iconic advertising campaigns featuring the charismatic gecko mascot and memorable catchphrases. Geico’s mission centers on delivering excellent customer service while offering competitively priced insurance products. With a strong emphasis on accessibility and a commitment to innovation, Geico has become a household name in the insurance industry.
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National General
National General, with roots tracing back to its founding in 1920, has established a long and storied history in providing insurance solutions to customers across the United States. The company’s mission revolves around delivering high-quality insurance products and excellent customer service.
National General has earned a reputation for specializing in coverage for high-risk drivers, addressing a niche often underserved by other insurers. Beyond standard coverage, the company extends its services to include offerings such as roadside assistance, identity theft protection, and mechanical breakdown coverage.
With nearly a century of experience, National General continues to adapt to the evolving needs of its policyholders while maintaining a focus on reliability and customer satisfaction.
Products and Services
Geico offers a range of coverage options, including liability, collision, and comprehensive coverage. The company also provides coverage for a range of vehicles beyond just cars, including boats, RVs, and motorcycles. Geico offers 24/7 customer service and a mobile app that allows customers to manage their policies and file claims on the go.
National General also offers a range of coverage options, including liability, collision, and comprehensive coverage. The company specializes in providing coverage to high-risk drivers who may have difficulty finding insurance elsewhere. In addition to its standard coverage options, National General offers a range of additional services, including roadside assistance, identity theft protection, and mechanical breakdown coverage.
Pricing
When it comes to pricing, both Geico and National General offer competitive rates. However, the cost of your policy will depend on a range of factors, including your age, driving record, and the type of car you drive. To get an accurate quote, it’s best to reach out to both companies and provide them with your information.
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Geico and National General Discounts
Both Geico and National General offer a range of discounts to help customers save money on their auto insurance policies. Geico provides discounts for good drivers, military personnel, and federal employees, among others. National General offers discounts for policyholders who bundle their auto insurance with other types of insurance, as well as for customers who maintain a good driving record over time.
Case Studies: Geico vs. National General Car Insurance
Case Study 1: Savings With Geico
John is a 30-year-old driver with a clean driving record. He recently purchased a new car and wanted to find affordable car insurance coverage. After comparing quotes from multiple insurance providers, John decided to go with Geico. Geico offered him a competitive rate with comprehensive coverage that met his needs while providing significant savings compared to other insurers.
Case Study 2: High-Risk Coverage With National General
Sarah is a 22-year-old driver with a history of traffic violations and accidents. Due to her high-risk profile, Sarah struggled to find an insurance provider willing to offer her coverage. However, after researching different options, Sarah found that National General specializes in providing coverage to high-risk drivers. She contacted the National General and was able to obtain the coverage she needed at a reasonable price.
Case Study 3: Bundle Discount With Geico
Mark and Lisa are a married couple in their 40s. They have two cars and wanted to insure both vehicles with the same provider to simplify their insurance management. After comparing different insurers, they chose Geico because it offered a bundle discount for insuring multiple vehicles. This allowed them to save money while conveniently managing their policies with a single provider.
Effortless Claims Handling With Geico vs. National General
Ease of Filing a Claim
Both Geico and National General offer convenient ways for customers to file insurance claims. They provide online platforms, phone assistance, and mobile apps, ensuring accessibility and ease of use for policyholders.
Average Claim Processing Time
The average claim processing time can significantly impact a customer’s experience. While specific data may vary, both companies strive to handle claims efficiently. Customers can expect a reasonable processing time, ensuring quick resolutions to their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating insurance companies. Geico and National General generally receive positive feedback regarding their claim resolutions and payouts. Satisfied customers often highlight the companies’ reliability in handling claims, indicating a high level of customer satisfaction.
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Unveiling Cutting-Edge Digital and Technological Features by Geico vs. National General
Mobile App Features and Functionality
Both Geico and National General offer mobile apps with user-friendly interfaces. These apps allow policyholders to manage their insurance policies, file claims, and access various resources directly from their smartphones. The apps are designed to provide a seamless experience, ensuring customers have easy access to essential features.
Online Account Management Capabilities
In addition to mobile apps, Geico and National General provide robust online account management capabilities. Policyholders can log into their accounts on the companies’ websites to view policy details, make payments, and update their information. The online platforms are secure and intuitive, enhancing the overall customer experience.
Digital Tools and Resources
Geico and National General offer a range of digital tools and resources to assist policyholders. These may include educational materials, insurance calculators, and informational resources about coverage options. By providing these tools, both companies empower customers to make informed decisions about their insurance needs, fostering a sense of confidence and understanding.
Customer Reviews
Overall, both Geico and National General receive positive customer reviews for their products and services. Geico is known for its excellent customer service and claims handling, while National General is praised for its willingness to provide coverage to high-risk drivers who may have difficulty finding insurance elsewhere. That said, some customers have reported issues with billing and pricing with both companies, so it’s important to do your research before making a decision.
Frequently Asked Questions
What types of discounts are available with Geico and National General?
Both Geico and National General offer various discounts. Geico provides discounts for good drivers, military personnel, federal employees, and more. National General offers discounts for bundling auto insurance with other types of insurance, maintaining a good driving record, low mileage, and paid-in-full policies.
In which states does Geico operate?
Geico operates in all 50 states and the District of Columbia, providing widespread coverage across the United States.
How do Geico and National General utilize digital features for customer convenience?
Both companies offer user-friendly mobile apps for policy management, claims filing, and accessing resources on the go. They also provide robust online account management capabilities, enhancing the overall customer experience with secure and intuitive platforms.
What is the average claim processing time with Geico and National General?
While specific data may vary, both companies strive to handle claims efficiently, ensuring a reasonable processing time for quick resolutions. Customers can typically expect timely responses to their claims.
How do customers feel about the claim resolutions and payouts from Geico and National General?
Both Geico and National General generally receive positive feedback regarding their claim resolutions and payouts. Satisfied customers often highlight the companies’ reliability in handling claims, indicating a high level of customer satisfaction.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.