GEICO Insurance vs USAA Insurance vs PROGRESSIVE Insurance Compared.


Yes, switching to GEICO is one way you could do that so I’ve been covered by USAA for my car insurance for over 10 years now.

I have coverage on my 911 my wife’s Mercedes and the Porsche Cayenne for both myself and her and currently, my premium is $3,200 per year.

Now I thought this was a pretty good deal because I had always gotten really competitive rates with USAA but I got curious and I decided to get additional Car Insurance Quotes from other companies.

So I went onto GEICO’s website and I built a very similar Insurance policy to what I have with USAA. It came out to $400 per year cheaper than USAA this is a really big amount of money on Car Insurance.

(adsbygoogle = window.adsbygoogle || []).push({});

So I was really happy to see I could save $400 but then I got curious to see if I could save more money so I started playing with a GEICO quote.

I quickly realized that there were some options I had on USAA and Geico that were extremely expensive so the first was medical payments.

Medical payments were actually costing me about 20 bucks per month on USAA and GEICO so let me explain what medical payments are.

Medical payments are additional payments the Insurance will make to you in case you are hurt. However, if you have really good health Insurance you don’t really need medical payments.

The medical payments premium is pretty expensive for both GEICO and USAA and adding about three hundred bucks per year just for medical coverage which I really didn’t need.

So I decided it slash out next I’ve been sided to take a look at no deductibles for glass coverage.

I thought no deductibles for glass coverage was a good idea because in Arizona you have a really high chance of getting a rock chip on your windshield.

However, I didn’t realize having no deductible for a glass coverage was so expensive so when I took this off the GEICO policy it actually reduced my annual premium by another $300 per year.

Also paying through our third glass coverage per year really doesn’t make sense because that’s almost enough for me to get a new windshield on pretty much any of my cars.

Additionally the chances of me requiring a new windshield it’s not that high. If the chip you get on your windshield is repairable your Insurance company is not going to replace your entire windshield.

With standard comprehensive Insurance, your Insurance company would already pay to repair the rock chip.

Anyways so after I removed the medical payments and a no glass deduction from the GEICO quote I was able to build an Insurance policy of $900 per year cheaper, this is a really big amount of savings and really I was just overpaying for coverage that I didn’t need.

(adsbygoogle = window.adsbygoogle || []).push({});

It didn’t really stop there after I got the quote from GEICO I wanted to see how much further I could get my Insurance now so I went ahead and got quotes with different Insurance companies most Insurance companies could not beat GEICO’s prices.

However, I tried PROGRESSIVE and I was really really Surprised so with better coverage going with PROGRESSIVE. I was able to get a quote for all three cars for just $1,800 per year compared to the $2300 per year for GEICO and the $3200 per year for USAA.

Now I wanted to make sure I had an apples-to-apples comparison so I also took off some options from a USAA coverage to see how far that would go.

I went ahead and got rid of medical payments and a no glass deductible and USAA was able to get down to $2900 per year but this is still much higher than the $2300 per year for GEICO and the $1800 per year for PROGRESSIVE.


So let’s do a recap of what I learned here. firstly don’t assume that your Insurance company will continue giving you the most competitive rates even though it may have started out that way you probably want to price out different options at least every year just to make sure you’re getting the best rate.

Even if you aren’t you can take the new quote that you got you can call up your Insurance provider and let them know. In some cases, they might be able to match what other companies are offering or maybe even beat it.

Understand that what coverage types and how much coverage you need in different categories you don’t want to be underinsured because if you get into an accident you might have to pay a good amount out-of-pocket and this could really set you back financially.

On the other hand, you don’t want to be really over-covered as well because then you’re paying for coverages that you don’t really need and you won’t ever get a chance to use their art or take advantage of other methods to get your Insurance premium down.

So one if you pay your Insurance premium all at once upfront you’re probably going to get a discount versus paying installments. That’s a good way to save additional money off your premium.

Also if you had the chance to get accident forgiveness I highly recommend this one it might cost you a $100-$200 per year. But if you do get into an accident and it’s your fault you could definitely see much larger increases in your premium.

Take a look at your deductibles to ask yourself if paying a $100 deductible is really worth it because for you to kind of reap the benefits of that you’re going to have to get into an accident and in that case, your Insurance premium is going to go up.

(adsbygoogle = window.adsbygoogle || []).push({});

So, I wouldn’t recommend going as low as a one hundred dollar deductible unless it really doesn’t cost you that much more.

For me, I go with the $100 deductible because I have a pretty good driving record and I’m willing to pay a higher deductible in the event of an accident versus paying a higher premium year over year.


I guess the Final Tip is to continue to drive safely. Don’t get any speeding tickets or anything like that because ultimately that’s going to raise your premium more than you know overpaying for Insurance or not going with the right company.

So I’m really curious about what Insurance you have how much you’re paying and I also want you to go out there get a few quotes and then choose something which best suits you.

Thank You and Good Luck.

1 thought on “GEICO Insurance vs USAA Insurance vs PROGRESSIVE Insurance Compared.”

  1. Have you ever experienced financial problems? Everyone who has faced financial constraints knows that there is no better way to solve them than to ask for a payday loan. And that's exactly what offers to you- the most reputable payday lenders for a fruitful cooperation. Highly Recommended.

Leave a Comment

Your email address will not be published. Required fields are marked *