Geico vs Root Car Insurance for 2023

Car insurance is essential for any driver. It provides protection for your vehicle, your passengers, and other drivers on the road. With so many car insurance companies out there, it can be challenging to choose the right one for you. In this review, we’ll compare Geico car insurance and Root car insurance and help you decide which one is the best fit for you.

Here are a few interesting attributes of these companies before we dive into the details:

• Geico is a subsidiary of Berkshire Hathaway, one of the world’s largest holding companies. They offer car insurance in all 50 states, and their policies cover more than 24 million vehicles.
• Root Car Insurance is a relatively new player in the industry, having been founded in 2015. They use telematics to determine your rates, which means they track your driving behavior through a mobile app. Root offers car insurance in 30 states and is known for its affordable rates.
• Both Geico and Root Car Insurance have high financial strength ratings from A.M. Best, indicating that they have the financial stability to pay out claims to their customers.

Now, let’s take a closer look at each of these companies.

Company History and Mission

Geico was founded in 1936 and is headquartered in Chevy Chase, Maryland. Their mission is to provide affordable car insurance to as many people as possible. They’re also committed to providing excellent customer service, which is evident in their numerous awards and accolades.

Root Car Insurance, on the other hand, was founded in 2015 and is based in Columbus, Ohio. Their mission is to use technology to create a fairer and more accessible car insurance system. They aim to provide personalized rates based on your driving behavior, rather than relying on traditional factors like age and gender.

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Products and Services

Geico offers a wide range of car insurance products and services, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured motorist coverage. They also offer additional options like roadside assistance and rental reimbursement. Geico’s rates vary depending on the state and the driver’s specific circumstances, but they’re generally competitive with other major insurers.

Root Car Insurance uses telematics to determine your rates, which means they track your driving behavior through a mobile app. They offer liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Root’s rates are generally lower than those of traditional insurers, but they may not be the best fit for everyone.

Discounts Available

Both Geico and Root Car Insurance offer a variety of discounts to their customers. Geico offers discounts for things like good driving, multiple vehicles, and safety features like airbags and anti-lock brakes. They also offer discounts to members of certain organizations, like the military and some professional associations.

Root Car Insurance offers discounts for things like good driving behavior and driving less frequently. They also offer a discount for referring friends to the company.

Customer Reviews

Both Geico and Root Car Insurance have generally positive reviews from customers. Geico is known for its excellent customer service and claims handling, while Root is praised for its affordable rates and easy-to-use app. However, some customers have had negative experiences with both companies, so it’s essential to do your research and read reviews from multiple sources before making a decision.

FAQ

Q: Does Geico offer roadside assistance?

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

Q: Does Root Car Insurance use credit scores to determine rates?

A: No, Root does not use credit scores to determine rates. They use driving behavior data collected through their mobile app.

Q: Does Geico offer discounts for safe driving?

A: Yes, Geico offers discounts for safe driving through their DriveEasy program, which uses a mobile app to track your driving behavior and offer personalized feedback.

Q: Can I bundle my home and car insurance with Geico?

A: Yes, Geico offers bundling discounts for customers who have both home and car insurance policies with them.

Q: How do I qualify for a discount with Root Car Insurance?

A: To qualify for a discount with Root, you’ll need to maintain good driving behavior, drive less frequently, and refer friends to the company.

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