Geico Direct

Getting Insured with Geico Direct

When choosing a car insurance, it is a good idea to get several rates so that you can go with the lowest one.  All insurance companies are different and they are all different for different people.

The Experiment
Two people who both had Progressive Direct insurance.  After seeing several commercials on televison stating that Geico Direct could save it’s customers hundreds of dollars, the two Progressive Direct customers decided to put it to the test.  They decided that they would get quotes and see if these commercials are in fact true. 

Kerri’s Quote
Kerri went online with Geico Direct first to see what type of rate she would get.  When she first went onto the website, she saw all of the options.  With Geico Direct, she could get a quote, change her policy, and pay her bill, all online.  She went to the “get a quote” section and she clicked on it. 
She was asked a series of questions first.  The website asked her first, several questions regarding her car.  It asked for the make of her car.  She entered Pontiac and several options of models appeared. She clicked on Grand Am and several years appeared on the screen.  Her car was a 1999.  She clicked on it.  After filling in that information she was asked to enter the car’s vehicle identification number (VIN).  This number can be found in several places.  The easiest places to find this number is either on the vehicle’s registration or on the vehicle’s title.  It can also be found on a couple places inside the vehicle, however, these numbers are very difficult to see.  Kerri got the VIN number for her car and entered it into the space provided.  Next, the Geico Direct site took Kerri to questions regarding the safety features available in her car.  The first question was regarding anti lock breaks.  She did have them so she clicked on that option.  The next feature asked for was automatic seatbelts.  Kerri’s vehicle did not have automatic seatbelts so she did not click on that option.  The third option that they gave was air bags.  Kerri’s vehicle did have air bags so she clicked on it. 
After Kerri entered all of the information regarding her vehicle, the Geico website wanted some information about Kerri.  The first part it asked was personal information about herself.  The site had a place for her to enter her name, address, telephone number, city, state, and zip code.  She was also asked to enter her social security number, her sex, and her marital status.  Some of this information was needed to give an accurate quote and other information was not.  After Kerri entered her information, the website went to a section regarding her driving record.  It first asked her long she was a licenced driver for.  Kerri entered seventeen years.  After that, they wanted to know about Kerri’s driving record it the last three years.  Kerri entered all of the information which was necessary.  Kerri had not been in an accident, had a speeding ticket, or had a traffic violation in the past three years, or ever.  She did not have much to enter in that section.  The next section Kerri went to was the section where she chose the type of insurance she wanted, whether full coverage or collision only.  She then had to decide how much she wanted for bodily injury, property damage, and vehicle damage.  There were amounts beginning from $30,000 and going as high as $100,000 for each.  After choosing the policy that she wanted, she pressed enter and waited for her quote.  The quote that she got was $527 for the first six months.  It was $87 less than what she was paying with Progressive Direct.  Kerri decided to purchase the policy.

Jason’s Quote
After Kerri found out that she would save $87, Jason decided that he would try to see what he could save if he went online for a quote.  He went to the beginning of the quote section just like Kerri did.  He began filling out information about his vehicle.  He had a truck and it was much newer.  Next the site asked about the safety features on his truck.  He had all of them except for the automatic seatbelts, just like Kerri’s car. 
When Jason was asked for his driving record, he got a bit worried.  He was in two accidents in the past three years and he also had a speeding ticket and one traffic violation.  He knew that this would make his insurance rate go up.  After Jason filled out the section on his accidents filled out the questions about himself.
When he got to the section regarding the type of insurance, he did not have too many choices.  Because he was still paying off his truck, he had to get full coverage.  Kerri’s car was paid off and she did not have to get full coverage.  Jason was forced to get the full benefits offered on each of the options.  When Jason was finished entering all of his information, the website began to calculate his quote.  He would be paying $882 for six months.  That amount was $126 more than what he was paying with Progressive Direct.

The Conclusion
Kerri and Jason both got insurance quotes from Geico Direct.  They both had different types of vehicles and different driving records.  One of them was a male and one was a female.  One of them saved money and one did not.  Geico Direct will not always help one save on car insurance but sometimes it will.  Kerri was happy that she got the quote because she saved money.  Jason did not mind that he got the quote.  He was not obligated to purchase a policy and Geico Direct did not call him to pressure him.