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Insurance Geek Difference

What if you could quickly shop multiple auto insurance companies with one short quote form. Well, now you can with our auto insurance comparison quote engine.

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Why Us

Auto insurance is our specialty. We have taken a complicated process and made it simple for consumers to compare multiple auto insurance companies side by side.

From start to finish, our car insurance quote form takes less than two minutes to complete. You will get real-time rates from multiple top carriers instantly.

With one simple quote form, you can get multiple real-time car insurance rates returned on our quote engine.

Start your quotes online, but get the expert guidance you need when you are ready to buy. We will review your quotes and double-check to make sure everything is perfect.

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Quickly share your current policy declarations pages with an Insurance Geek. Your Geek will review your policy to find gaps, missing coverages, and compare our companies vs. your current carrier. It takes 60 seconds to complete.

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What is auto insurance?

In its most basic sense, car insurance is a contract between an insurance company and an insured that protects an individual against financial loss in the event of an accident or theft.

These types of policies also offer coverage for liability in the event of a lawsuit.

Insurance Geek helps you learn all you need to know before you get an auto insurance policy and choose your insurance company.

You’ll also get the best instant car insurance quotes with us!

What does car insurance cover?

Before you get your auto insurance quote, you should make sure that you understand your coverage options.

Car insurance can cover a number of items that may cause the destruction of an insured’s vehicle.

Many different insurance options can make up your total car insurance coverage, such as:

  • Bodily Injury Liability insurance – In the event that a driver causes a car accident that injures another individual, this type of insurance will pay for medical bills and court costs.
  • Property Damage Liability insurance – This part of the car policy pays for the repair or replacement of others’ property and vehicles that are damaged.
  • Uninsured/Underinsured Motorist Coverage Say that the person whose fault it is does not have a contract with an insurance company – how will you get your compensation? By using uninsured and underinsured motorist coverages. Your state may not require you to have underinsured motorist coverages in your policy, but most will require the uninsured one.
  • Medical Payments – It can also cover the medical expenses of others who are injured in an accident. Medical payments coverage (also known as simply “med pay”) reimburses the medical bills if you or your passengers get injured. Usually pays for expenses within one year past the event.
  • Personal Injury Protection (PIP) – PiP coverage pays for medical expenses and a percentage of lost wages for you and your passengers.
  • Collision – Collision coverage or collision insurance defrays the costs of repair of your car when it collides with an object or another vehicle. Collision insurance is usually added as an extension to your regular policy.
  • Comprehensive – Your vehicle is not only at risk from collisions. Thus, comprehensive coverage protects it from any other risk. These include accidents, vandalism, theft, and “natural” disasters, such as a tree falling on drivers’ cars.

Cost of auto insurance

Numerous factors can go into the pricing of auto insurance coverage, including:

  • Age of the Insured

  • Make and Model of the Vehicle
  • Driving Record
  • Past Claims History
  • Vehicle Usage (i.e., personal or business)
  • Geographic Location
  • Where the Vehicle is Kept (i.e., in a garage, on the street, etc.)
  • Driver’s Insurance Score
  • Optional or Additional Coverage
  • Insurance Carrier

Discounts

If you’re a safe driver and have not had any accidents or moving violations for a certain period, you may be eligible for a premium discount from the auto insurer.

You can qualify for premium auto insurance discounts in other ways, too. For example, you can combine home, auto, and life insurance policies and get a discount.

Age$250,000$500,000$1,000,000
37$16$25$45
42$22$38$69
47$34$62$117

Do I have to have car insurance?

Although there is no federal law that requires auto insurance, each state in the U.S. has at least some minimum requirements for this type of coverage, particularly in the area of liability coverage. This can help protect other drivers on the road.