GEICO Car Insurance Review

Geico is the second-largest private passenger car insurance company in the United States. That’s not by chance. The numbers speak for themselves. The company has some of the lowest rates and highest customer ratings.

Not only that, but Geico has won awards for its advertising campaigns, and its YouTube channel has over 1.7 million subscribers.

That all sounds great, but what does that mean for you?

An insurance company needs to satisfy your individual needs. So we’ve put together this guide to help you decide if Geico meets what’s important to you.

In this Geico car insurance review, we’re going to look at its financial strengths, history, rates, coverage options, and how to navigate their website. You’ll even see a few of those award-winning commercials.

So, buckle up and get ready to learn more about why Geico might be right for you.

You can use our free online tool to see how it holds up.

Geico Car Insurance Rates

If you’ve gotten this far, chances are you’ve been looking for cheaper rates. Maybe you’re thinking your rates should be good since you’re a good driver. Honestly, this might not be the case.

Insurers look at a lot of factors when they determine car insurance premiums. Only one of those has anything to do with your driving record.

We know these rates can be confusing. If you’ve been bouncing around to different sites getting quotes, that’s not going to tell you where these numbers come from. We’ve been there.

We’re going to go over some of these factors, and only one is your driving record. In this section, you’ll have all the information about rates with Geico that you’ll need. Check it all out below.

Geico Availability and Rates by State

In 41 states and the District of Columbia, Geico’s prices are lower than the national average. That means it’s higher in nine states. You can see which are which below.

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The median rate for the country is $3,073.66. The lowest rate is in Massachusetts at $1,510.17, but the highest is over four times pricier in Michigan at $6,430.11,

With Geico available in all 50 states and the District of Columbia, you can take it with you wherever you move to.

Comparing the Top 10 Companies by Market Share

Compared to the other insurance companies, Geico controls 13 percent of the market. That’s only 4 percent lower than the largest company as shown in the pie chart below.

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Geico makes a big deal in its advertising about saving money. In fact, Geico’s slogan is all about saving drivers at least 15 percent on their car insurance. It changes based upon the states, though. How does it stack up in your state? Look below.

As we mentioned in the previous section, Geico’s national median is $3,073.66. That’s cheaper than everybody else except for State Farm and USAA.

You can see the difference between different states and even providers. Here are the top providers’ median rates, compared to Geico.

USAA is 23.5 percent lower than Geico’s median, and State Farm is 12.5 percent lower.

Average Geico Male vs Female Car Insurance Rates

Yes, gender does still play a factor when companies determine car insurance rates. At least, that’s true for most states.

California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan have banned insurers from using gender to determine car insurance rates.

The other 43 states and District of Columbia do have variations based upon gender, though. A quick look at the following table will show you how it changes based upon gender, but also age and marital status.

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For the most part, males are charged more than females at Geico. The exception is the single 25-year-old demographic, where females are charged a little over $100 more for their insurance.

Average Geico Rates by Make and Model

If you own a sports car, you probably already know that your insurance may be more than your neighbor’s four-door sedan. What type of car you drive changes how much insurers charge. Geico is no different.

There isn’t a huge difference between the most and least expensive premiums by make and model for this list. The difference is less than $300, which works out to under 7 percent.

Average Geico Commute Rates

If you have a subscription to an audiobook service or a favorite podcast that you save for the Friday drive, you might be paying more for it. Some companies charge more based on how far you have to drive to work every day.

Geico is one of those companies, but it’s not a big difference. The increase is just slightly over $100, which isn’t so bad.

Average Geico Coverage Level Rates

If you shop around, you may end up getting a higher amount of insurance for a lower price than less coverage at another company.

Most insurers charge a little more for higher levels of coverage. More coverage can save you in a pinch, so it’s generally a good idea to get it and keep it.

The upgrade from low to high coverage for Geico is just around $400, which is a great rate. Other companies charge more for the same upgrade.

Average Geico Credit History Rates

Your credit history will affect your rates.

Experian reports that the average credit score in 2019 for Americans was 703. That’s an increase from the year before.

Credit is a big factor for Geico. If you have fair credit, rates will be about 23 percent higher than a person with good credit. But, if you have poor credit, expect to pay. Rates go up around 75 percent for people with poor credit.

Average Geico Driving Record Rates

Do you still have one annoying speeding ticket that hasn’t dropped off your record yet? Geico does factor that in.

Geico rates typically go up from a clean record based upon these violations:

• One speeding ticket: 23 percent
• One accident: 49 percent
• One DUI: 127 percent

A single DUI offense has the worst consequences, going up 127 percent.

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Coverages Offered

When you’re shopping for rates, they’re going to vary because your needs are unique. The coverage you need for your car will change how much your quote turns out to be.

Geico offers many types of coverage, which we’re going to dive right into.

On this page, you can find a list of coverage options for Geico.

In addition to liability, Geico also adds other core coverage options.

If you’re looking for even more coverage, there are a few more ways to cover yourself as a driver.

This is an impressive array of coverages, meaning Geico should have just about anything you’d need.

When it comes to your bill, there are so many things that companies take into consideration when making up that bill. It’s not just your credit history, age, or gender.

Geography is a huge factor. The difference in annual average premiums is widespread, starting at $1,510.17 in Massachusetts to $6,430.11 in Michigan.

Why does where you live change how much you’re paying?

The question has a broad answer, full of local laws and regulations, but a few factors include vehicle theft, fraud, and vandalism. If you live in a high-crime area, you’ll be paying for the actions of others.

Geico Insurance Bundling Options

If you’re a loyal Geico customer, the company lets you bundle policies to save more.

You can save up to 25 percent if you have more than one vehicle on your policy.

Geico Car Insurance Discounts

Don’t worry, though. There are many driver discounts out there, and Geico offers quite a few.

Geico offers discounts based upon driver’s education:

If you’re affiliated in any way with the military or as a federal employee, you may be able to get more savings.

There are discounts for good driving habits.

Here it is all together, listing the savings that you may qualify for with Geico.

So, what’s your excuse for spending more than you should on car insurance?

Geico Insurance Programs

Geico offers a few programs that are unique to them. One of those is their DriveEasy program.

DriveEasy® collects data from users about driving habits, including distracted driving, that can help you become a safer driver. You may be eligible to participate in the program for a discount.

Accident Forgiveness is an optional add-on that you can purchase through Geico. If you’ve been a loyal customer for long enough, you can get it for free. It is exactly as it sounds, and it will allow a reprieve from increased rates if you end up causing an accident.

Geico Auto Repair Xpress® is created to be a stress-free experience when you need to get your car fixed from a claim.

It’s designed to keep you updated and stress-free during the repairs process.

Rating Agency

Here’s the thing — it’s easy to gather information about an insurance company from a friend or coworker.

It’s a whole other thing to get information from a well-established organization that has dedicated years of effort toward collecting the best research, data, and studies.

Those efforts culminated in ratings. So, if you’re looking to see how Geico stacks up among well-known organizations such as A.M. Best, Consumer Reports, and the Better Business Bureau, we’ve collected this information for you.

Just like getting a test back in school, you don’t want to get a low grade. The same holds true for car insurance companies. Here’s a quick look at how Geico stacks up, but we’ll be going into more detail.

So let’s take an in-depth look at how Geico is ranked among some of the world’s most prominent organizations.

A.M. Best

A.M. Ratings show the financial strength of a company. These ratings show the relationship between how well a company does with balancing premiums that are coming in versus paying out claims.

This video will discuss it a bit more.

Geico received an A++ rating from A.M. Best, which is the highest possible rating. That means Geico has great financial standing and credit.

Better Business Bureau (BBB)

Geico has an A+ with the Better Business Bureau, which is the highest possible rating with the BBB. How does it get that rating, though?

The Better Business Bureau looks at the following factors:

• Complaint history with BBB
• Type of business
• Time business has been operating
• Transparent Business Practices
• Failure to honor commitments to BBB
• Licensing and government actions that are known to BBB

An A+ is definitely a good rating, but how do customers feel?

Customers on BBB’s website gave Geico 1.1 stars out of 5, based upon 364 reviews.

Geico also had 3,098 complaints closed within the past three years, with 988 of those within the last 12 months.

Moody’s Rating

You already know that your credit score can make or break a financial decision. But it’s not just individuals who benefit from having a great credit score. Corporations need one too.

Moody’s is a credit reporting agency that, like A.M. Best, shows the financial strength of a company.

Moody’s gives Geico an Aa3 rating. Aa is the second-highest possible score for long-term obligations. That means Geico is judged to be high-quality and a low credit risk.

The three in Aa3 is a short-term rating definition, and Geico gets the lowest of the three options. Geico is termed by Moody’s to have merely an acceptable ability to repay short-term obligations.

Standard and Poor’s (S&P)

Standard and Poor’s is also a credit rating agency for these corporations. Geico gets an A++, which is the highest rating that S&P has.

Overall, these three credit agencies show Geico’s financial strength, which is one of only three major car insurance companies that match this top level. The others are State Farm and USAA — a company only available to military personnel and their families.

NAIC Complaint Index

The National Association of Insurance Commissioners is an organization that helps regulate insurance industries.

The good news is that Geico’s complaint index has stayed below the national average.

J.D. Power

Now that you’ve seen the complaint data, what about the other side of that? What about customer service?

Consumers can form a strong opinion about a company based upon one interaction with a customer service representative. So, it’s important to see how a company stacks up.

As you can see above, Geico gets three out of five total possible power circles. That’s about average.

Geico does score slightly higher than average on how claimants rate the fairness of the settlement and the initial claims reporting process. It also varies by region.

Geico earned average ratings across most of the nation. Geico consistently scored over 800 on a 1,000 point scale.

Geico Company History

Geico was founded in 1936 by husband and wife team Leo and Lillian Goodwin. Leo Goodwin had been working for USAA — an insurer that covers only military personnel and their families— for over a decade.

Right after the Great Depression, Leo and Lillian took $25,000 of their own money — along with $75,000 that was borrowed — and created Geico, a private insurance company that was made to service federal employees.

In 1996, Warren Buffett purchased outstanding stock and made it a subsidiary of Berkshire Hathaway. From there, the company grew exponentially, and Geico passed 17 million policies in 2019.

Geico Market Share

Geico is the second-largest car insurance company in the United States. By how much, though? Check out these numbers for market share from 2015 through 2018, all from the National Association of Insurance Commissioners.

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Geico has been slowly increasing its market share for each year since at least 2015.

Premiums are increasing as the company continues to grow. Geico’s loss ratio was getting a little high in 2017, but it settled back into a safe number in 2018.

Geico’s Position for the Future

Geico has an excellent projection for the future. It has great financial standing, according to multiple ratings sites.

The growth of the company has been fast and furious, with it adding written premiums and increasing its market share over the last few years.

Like every company, there are those who aren’t fans of the insurer. However, overall, it has some great things going for it. Geico is in no danger of going out of business anytime soon, and it seems likely that it will continue to grow as one of the top insurers in the nation.

Geico’s Online Presence

Just like most major companies, Geico has a strong online presence. In today’s world, it’s necessary to stay relevant and at the fingertips of an increasingly tech-savvy population.

Geico has its own website, as well as pages on most major social media sites.

• Website
• Facebook
• Twitter
• Instagram
• YouTube

As we previously mentioned, Geico is the second-largest company in the nation, second only to State Farm.

This is paralleled across all social media sites — except for YouTube — as Geico has fewer followers on most sites.

State Farm has far more followers on most sites, but Geico has a much larger number of subscribers on YouTube. That may have something to do with its clever and award-winning advertisements.

Geico’s Commercials

Geico is well known for its commercials. If you haven’t seen the Gecko or the Geico Cavemen, you may have been, well, living in a cave.

That’s because Geico spends more money on advertising — about $1.1 billion in 2012 — than any other insurance company. That year, Geico’s spending was more than double that of the next highest-spending insurance company, which was Progressive.

If you’ve missed him somehow, here’s the Gecko.

https://youtu.be/8lZeTTXyIk4

The Gecko and other Geico commercials are produced by the Martin Company out of Richmond, Virginia.

They’re pretty effective, with Geico’s premiums increasing year over year. Warren Buffett, who owns the Berkshire Hathaway Group, has said he would spend $2 billion on Geico ads if he could.

Geico in the Community

As a large company, Geico has access to more resources. Some of these go toward better serving the community. Geico does this in a few major ways.

• Geico Cares in Action – Employees get involved in volunteer work through their local communities.

Some of this work includes Habitat for Humanity and Paws for a Cause.

• Children’s National Hospital – Geico has supported the hospital’s mission for over 40 years. The mission of Children’s National Hospital includes ensuring that every child in the Washington, D.C. area receives compassionate health care, regardless of the family’s financial status.
• Geico Encourages Green Efforts – Geico works toward efforts that benefit the environment.
• Environmental Safety and Pollution Prevention – Geico works to help prevent pollution and ensure safety.

In addition, Geico will match employee contributions to the charities or place of higher education of their choice. They also host blood drives and organize donations from their associates to those less fortunate.

Geico’s Employees

A company’s heart is with its employees, and they impact how well it functions. They are the best judge of a company’s work culture.

Would you go with a company that doesn’t treat its employees well, even if it makes a lot of money? You may want to take a look at how the company treats its employees, according to the workers themselves.

According to greatplacetowork.com, 68 percent of Geico employees considered the company to be a great place to work, compared to 59 percent at a typical U.S. company.

So who are these people who work for Geico, and what do they think of their employer?

The first two tables below are from greatplacetowork.com. They’re using data from 2015, so the information may be a little out-of-date. Still, companies don’t change that much that fast.

First, we’ll look at how long Geico employees have been working there.

Fifty-eight percent of workers were with the company under five years. Only 6 percent of employees had tenures of 20 years or longer. Eighty-six percent of employees felt that they were treated fairly, regardless of their gender. Look below for the general consensus.

Most employees felt like they were given a large amount of responsibility, but felt good about the company and welcome when they started.

The next set of information is from Glassdoor, and it’s more up-to-date.

A couple of notable things here from Glassdoor about Geico:

• 3.2 out of 5 overall rating from employees
• Number 47 – Top CEOs for 2014
• 80 percent approve of the CEO
• 57 percent have a positive business outlook
• 56 percent would recommend Geico to a friend

Over on PayScale, employees gave the company a 3.4 out of 5.

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Nearly 80 percent found the job highly stressful.

Now that you’ve seen what employees think of the company, what about other forms of recognition for Geico? Here are those awards that Geico received just for 2017 and 2018.

2017:

• AnitaB.org- a Top Company for Women Technologists award
• Best Places to Work in Western New York (Buffalo office)
• Bibb County Schools VIP (Victory in Progress) Industry Award for associate volunteerism (Macon office)
• Indianapolis Star named Geico as a Top Workplace (Indianapolis office)
• The Des Moines Register ranked Geico’s Coralville office as a Top Workplace
• BestCompaniesAZ nominated Geico’s Tucson office as one of the 100 Best Companies in Arizona

2018:

• Employer Support of the Guard and Reserve (ESGR) Patriot Award
• Michael J. Harris Spirit of Tucson Award (Tucson office)
• Virginia Values Veterans (V3) recognized Geico for its commitment to hiring veterans.

In addition, Geico’s parent company, Berkshire Hathaway, placed third on Fortune’s 2019 Most Admired Companies list.

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Canceling Your Geico Insurance Policy

Let’s say Geico just hasn’t worked out for you. Maybe you’ve found a cheaper rate or you just don’t like what Geico’s options are.

Perhaps you’ve been burned before when going to cancel a policy and just want to see what you might be in for. Well, we’re going to walk you through the process so you can see what it’s like to cancel Geico.

Geico Cancellation Fee

Luckily, there’s no cancellation fee if you decide Geico is no longer right for you.

Is there a refund?

Essentially, yes. There is a pro-rated refund, so you’ll get a partial refund back. If you paid for six months, ending in February, you’ll get whatever the payment portion between cancellation and February works out to be.

How to Cancel a Geico Car Insurance Policy

But how do you start the process to cancel your policy?

Let’s go over the process, step-by-step

Step #1: Decide if this is the right time

Has your life changed recently? Perhaps you’ve just moved to a new state or gotten married. Remember, Geico is available in every state. It can move with you.

If your marital status has changed, you can add or remove a spouse, which might even qualify you for additional discounts, either way. Are you between cars? Whether you’ve sold a car or your vehicle was totaled, you might be covered for a rental during this time with your policy. Is it a money thing? There may be discounts available that you haven’t yet taken advantage of.

Step #2: Contact Geico

It’s actually pretty easy to cancel with Geico.

Call them at 1-800-841-1587 to speak to an agent and cancel by phone.

If prompted by an Interactive Voice Response (IVR) system, say, “Cancel insurance policy” to be directed to a person. Be sure to have your policy number handy so that it will go smoothly.

Step #3: Take Care of Your Previous Policy

There are two things you need to take care of when you move over. First off, make sure you do not cancel your policy until you get a new one lined up.

It’s illegal to have a gap in insurance on your vehicle.

After your new policy is in place, make sure to call Geico.

Secondly, do not assume your old policy will automatically cancel, because it won’t. You can’t just stop paying and expect it to go away. You don’t want to have to deal with a bill collector because you forgot to cancel that old policy.

Step #4: Contact Who You Need To

If you’re moving — especially to a new state — you need to contact the DMV to change over your information. Your driver’s license, registration, and any other relevant documents need to get the new information.

If you’re still paying on your car, contact the loan holder so they know where to contact you if needed.

When can I cancel?

Geico really does make it easy to cancel, so you can do it at any time. Your payment will be prorated if you overpaid.

How to Make a Car Insurance Claim

Oh, boy. Are you here because you have a claim to make?

Whether you’ve been involved in an accident or need to make a claim because of theft or damage from a natural disaster, there are more ways to make a claim now than ever.

Ease of Making a Claim

It can be pretty stressful when you get into an accident. What are you supposed to do?

Whenever you are involved in an accident and need to make a claim, there are some steps that you need to follow.

1. Call your insurance company ASAP, even if this means while you’re at the scene of the accident.
2. Use the Geico mobile app to jumpstart the claim. This will minimize the time lost if your car needs to be repaired.
3. Fill out all the documents that will be needed for your claim.
4. Make the claim in a timely manner. All states have a specific statute of limitations for insurance claims.
5. Check to see if you have rental car coverage.
6. Keep in contact with your insurer as they go through the investigation process.

But, how do you actually make the claim?

• By calling Geico at 1-800-841-3000
• Through the Geico mobile app
• Online through the Geico website

Now what?

Geico will then investigate the claim and determine its legitimacy. Don’t take it personally. The auto insurance industry deals with a lot of fraud, and these investigative steps help make it so that those losses don’t get passed on to you.

Premiums Written

We’ve already touched on how Geico has increased its market share in the past few years, but how do their premiums look?

Geico’s increase in their direct premiums written has been stellar.

Between 2015 and 2018, Geico increased the number of premiums written by 61 percent.

Year after year, they have increased by huge numbers. From 2015 to 2016, they saw growth by nearly a quarter more; 2016 to 2017 saw an increase of 17 percent, and then from 2017 to 2018, they went up almost 12 percent.

This shows Geico is focusing on growing — and growing fast.

Loss Ratio

Loss ratios are pretty important for seeing how well a company is doing with balancing their funds.

The term “loss ratio” refers to the ratio between the company’s intake in premiums versus how much it pays out in claims.

For example, a loss ratio of 55 means that the company paid out $55 in claims for every $100 it took in. The closer the loss ratio is to 100, the more claims are being paid out.

However, if it’s too close to 100 — or even over, which can happen — the company is paying out too many claims versus how much it’s bringing in. That can mean that a rate increase is in the near future.

Now that you know what the term means, what’s Geico’s loss ratio?

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Ideally, a company’s loss ratio should be between 40 to 75 percent Geico’s are pretty good every year. There was a slight increase in 2017, but it went back down the next year.

How to Get a Geico Insurance Quote Online

Are you looking at Geico as a potential insurer? Well, you’ll need a quote.

Surprisingly, it’s not always easy. You’d think companies would make it super easy to get more business. Geico, though, has an easy-to-use process for getting a quote.

We’re going to go over it below, step by step.

Step #1: Go to Geico’s Homepage

To start the process, go to geico.com. Step 1 was easy. Don’t worry, the rest isn’t bad either.

Step #2: Enter Your Contact Information

Put in your contact info.

Step #3: Add Your Vehicle Information

The website might pull your vehicle’s information based on your address, but you can also put it in manually.

• Next, they’ll ask if your vehicle is owned outright, financed, or leased.
• What do you primarily use your car for?
• How many days a week do you commute?
• Calculate your annual mileage.

You’ll have the option here to either add another vehicle or continue.

Step #4: Add Your Demographics

You’ll be able to put in information like your marital status and education next.

• Own or rent?
• Were you licensed before turning age 22?
• What about your education level?
• Are you employed full-time?
• What do you do for a living?
• Are you affiliated with the U.S. military?
• Any government affiliations?
• Do you want to add your spouse?

You’ll need to add their birthday and other pertinent information if adding your spouse.

Step #5: Enter Your Contact Information

Enter your contact info.

Step #6: Get Your Quote

Now you can get your quote.

That’s your quote. The above graphic is just an example, so go through the process and see if you can beat it.

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Design of Website/App

As the world changes, the importance of internet-based information expands exponentially. So, it’s important for companies to stay with the trends and be at the fingertips of their customers.

Most have apps, and some have rolled out special programs that are customized for them.

Nearly every insurer has a website now, but there are still going to be questions. Companies do their best to optimize their sites to make it easy to find answers, and some do better than others.

What about Geico? How well has it designed its website and app? Let’s find out.

The Geico website has a simple and pleasing design that makes finding information easy.

The design elements are exceedingly well done, with pleasant font, graphic, and spacing choices. Navigating it is very organic and easy to get around.

There are tabs for information and insurance on the left, and you can log in or search on the right. In the center, there’s a hub that will take you directly to the quote tool for the kind of insurance you want.

If you choose the insurance tab, you’ll get this menu

From here, you can click on Auto and get right into the car insurance section.

With such ease of navigation and pleasing-to-the-eye graphics, Geico.com is a definite plus.

Geico also has a mobile app. It’s been around for a long time, so it has a lot of reviews. What do users think of it? On the iOS app, users have rated it 4.8 with 1.9 million ratings.

Android users gave it a 4.8 out of 5 with 284,000 reviews. Overall, users seem happy with the app.

According to the Apple store, the app has several features that are designed to make life easier.

• Digital ID cards: Keep your insurance card on you at all times through the app.
• Bill pay: You can pay your bills through the app.
• Roadside assistance: According to Geico, this is the easiest way to get roadside assistance if you’re stranded and need help.
• Submit and keep track of your claim: Watch your claim progress through the app.
• Geico virtual assistant: Geico Virtual Assistant, Kate, is there to help answer questions.
• Vehicle care: Easy way to get your car serviced and find out about recall alerts.
• Geico Explore – Augmented Reality: Find restaurants, gas stations, parks, and your car by augmenting your world and customize the places you want to see.

That’s a lot of features, and you can do all of the important things on your phone.
With really high reviews, the app seems to be a hit. Definite plus.

Pros and Cons

So, how do Geico’s pros and cons stack up?

For the most part, the pros outshine the cons.

The Bottom Line

Geico hasn’t just stumbled into being the second-largest insurance provider in the country.

They have great coverage options and add-ons with competitive pricing. Their slogan about saving you 15 percent is pretty accurate.

Not only that, but customer satisfaction rates are great, and they are determined to have great financial strength. These factors have contributed to Geico’s quick growth, as customers have recognized these positives and flocked to it. Based on all of these factors, Geico is likely to around for a while.

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Geico Car Insurance FAQs

We hope this answered your questions, but there may still be a few lingering queries. So, we added a few frequently asked questions below.

#1 – Will Geico tow my car?

Geico offers emergency roadside assistance which includes towing if you break down. If you have the package, it will also include jumpstarts of your battery, labor to change a flat tire, and lockout services.

#2 – Does Geico cover damage from floods and other natural disasters?

Geico comprehensive coverage will cover you in the event of a natural disaster. If you are, say, vacationing in Florida during hurricane season, Geico comprehensive will get you covered.

It’s a good idea to have comprehensive coverage always, as you never know when something might come up.

#3 – Who does Geico’s commercials?

Geico works with The Martin Agency, based in Richmond, Va., for its marketing. The company has also worked for UPS, Oreo, Warner Brothers, and the Virginia Tourism Corporation.

#4 – Which Geico commercial was voted the best?

A competition called the Best of Geico was held to rank Geico commercials. The winner was the Camel “Hump Day” commercial, followed by the pig squealing wee all the way home.

#5 – How do I renew my Geico policy?

Geico policies automatically renew. They will send you a notification of the due payment beforehand.

#6 – Does Geico cover windshield repair or replacement?

Geico will cover glass repairs/replacements but generally only with comprehensive coverage. If you aren’t sure about it, call and ask an agent.

And there you have it.

If you still aren’t sure, you can start comparison shopping between companies using our free online tool below.

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