An expert guide to your auto policy

+ smart driver tips and tricks

Top 10

insurance terms

Bodily Injury Liability Coverage Image | GEICO Car Kit


Bodily Injury Liability Coverage

Pays for damages to others for injury or death resulting from an accident in which you're at fault. May provide legal defense.

Collision Coverage Image | GEICO Car Kit


Collision coverage

Pays for damage to your car when it hits or is hit by another vehicle or object, or if the car overturns. Subject to the terms, limits and conditions of your policy contract.

Comprehensive Physical Damage Coverage Image | GEICO Car Kit


Comprehensive physical damage coverage

Pays for damage to your car that is not the result of a car accident. For example, theft, vandalism, flood, fire, animals or other covered perils.

Deductible Image | GEICO Car Kit



The portion of a claim that you pay out of pocket. Budgeting tip: Opting for a higher deductible will lower your insurance premiums, so choose wisely.

Emergency Roadside Service Image | GEICO Car Kit


Emergency Roadside Service (ERS)

If you have a flat tire or a dead battery, need to get towed or get locked out of your car, we’re there for you. It starts at only $14 per year per vehicle.

Mechanical Breakdown Insurance Image | GEICO Car Kit


Mechanical Breakdown Insurance (MBI)

Covers repairs to all mechanical parts of the car, protecting you from expensive repair bills after your warranty expires.

Personal Injury Protection Image | GEICO Car Kit


Personal Injury Protection

May pay for you and your passengers’ medical treatment, lost wages, or other accident-related expenses, no matter who caused the accident.

Property Damage Liability Coverage Image | GEICO Car Kit


Property Damage Liability Coverage

Pays for damage to someone else’s vehicle or property resulting from an accident for which you are at fault. May provide legal defense.

Rental Reimbursement Image | GEICO Car Kit


Rental Reimbursement

Or “Transportation Expense,” this optional coverage helps pay rental car costs when your insured vehicle is disabled owing to a covered accident or loss.

Uninsured Motorist Coverage Image | GEICO Car Kit


Uninsured Motorist Coverage

May pay for your injuries or property damage caused by an uninsured motorist or, in some states, an unidentified driver.

All of the definitions are subject to the terms, limits and conditions of your policy contract, as well as the state in which you live.

Flat Tire Fix


Park on a safe flat, hard surface off the road and make sure to put on the emergency brake.


Loosen the lug nuts half a turn with a tire iron, but don't take any of them off yet!


Jack up the car.


Remove the lug nuts and the wheel.


Put on your spare* and partially re-secure the lug nuts.


Lower the car.


Finish tightening your lug nuts. Always tighten top to bottom, left to right (order shown).


*Spares come in a full-size version and a smaller "donut," which is meant to replace only a back tire. If you get a flat front tire, remove a rear tire and replace it with the donut. Then replace your front tire with the rear tire.

9 Helpful Things

to have in your car

Hover overTap on a circle!

Jumper Cables

Tire Pressure Gauge

First Aid Kit

Water & Snacks

Disinfectant Wipes


Phone Charger

Reusable Tote Bags


 Did you know? 

Umbrella Icon | GEICO Car Kit

You can use kitty litter to get your car out of the snow or mud!

Clear loose snow or mud around your tires, then sprinkle kitty litter around your tires for traction.

Accident Checklist

Checkmark Icon | GEICO Car Kit Check for injuries and call 911 if necessary
You should never move an injured person unless he or she is in immediate danger.

Checkmark Icon | GEICO Car Kit Take pictures to document the scene
Only take pictures if you can do so safely. Include all vehicle damage and the surroundings, and upload pictures to after you report the loss.

Checkmark Icon | GEICO Car Kit Exchange and record info
Only disclose your name, your insurance company, your policy number and GEICO's phone number to the other parties (other than the police). Make sure to collect:
• Date and Time
• Location
• Police Report Number
• Other Driver's License Plate Number, Insurance and Contact Info

Checkmark Icon | GEICO Car Kit Get your vehicle towed
If your car isn’t drivable, call GEICO to report the loss. GEICO will help you get your vehicle towed quickly.

Checkmark Icon | GEICO Car Kit Let GEICO know
Our helpful agents are available 24/7 to help guide you through the process. Report a claim by calling (866) 351-0266, on or via the GEICO Mobile App.

Smart Ways to Save Big

Go to for a fast, free quote for renters or homeowners insurance

Combine & conquer
Protect your property and you could score savings with our Multi-Policy Discount.

Do you rent?
Help safeguard all of your possessions with a renters insurance policy.

Do you own?
The GEICO Insurance Agency could help protect your house or condo.

Additional savings
Find out all the different ways you could save at

Pay Painlessly

You’ve got options. Pick the plan that works for you at:

Checkmark Icon | GEICO Car Kit

Set up automatic payments
Stop worrying about your bills. Sign up with Electronic Funds Transfer (EFT) or your credit or debit card, and you’ll never be late again.

Checkmark Icon | GEICO Car Kit

Spread your payments out...
Choose the number of installments that work for your life—and budget.

Checkmark Icon | GEICO Car Kit

...or pay in full
Pay the full premium by the policy effective date and you’re done! (And you’ll avoid installment charges.)

Checkmark Icon | GEICO Car Kit

Go green
Sign up for paperless billing and do it all online. eBill and ePolicy are great ways to keep track of your payments and policy documents.

Checkmark Icon | GEICO Car Kit

Download our app
Pay your bill anywhere, anytime, and sign up for text alerts when payments are due. Text MOBILE to 43426 to download now.
Message and data rates may apply.

GEICO Mobile App | GEICO Car Kit

Make it easy: Download the app

Proof of insurance
is available on your phone or tablet in the form of digital ID cards.

Manage your policy
by paying a bill, adding a driver or vehicle, or changing coverages.

Find gas
locates the lowest real-time prices of fuel nearby—and gives you directions there.

Roadside Assistance

Flat tire? Ran out of gas? Our Emergency Roadside Service (ERS) can help. Log in to your GEICO Auto Policy or call (800) 424-3426 to get a quote or add it to your policy.

We seeMore Savings in your future

Crystal Ball | GEICO Car Kit
Whether you're getting married, buying a home or adopting a pet, GEICO's here to grow with you.
GEICO Gecko | GEICO Car Kit

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Some discounts, coverages, payment plans and features are not available in all states, in all GEICO companies, or in all situations. Homeowners, Renters, Condo, Pet, Travel, Flood, Term Life, Jewelry, and business operations and property coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. GEICO Auto policyholders could be eligible for a premium discount on their GEICO Marine Insurance policy. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. GEICO Portfolio Identity Theft Protection is provided by Iris Powered by Generali and is secured through the GEICO Insurance Agency, Inc. Identity Theft Insurance is underwritten by Generali U.S. Branch. The GEICO Personal Umbrella Policy is provided by Government Employees Insurance Company and is available to qualified Government Employees Insurance Company and GEICO General Insurance Company policyholders and other eligible persons, except in Mass. Commercial auto coverage is underwritten by Government Employees Insurance Company. In some cases commercial auto coverage is provided through GEICO Insurance Agency, Inc., either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers. Business operations and property coverages are written through non-affiliated insurers and are secured through GEICO Insurance Agency, Inc. The GEICO Mobile app and site received #1 rankings according to the Keynova Group Q1 and Q3 2021 Mobile Insurance Scorecards. If you do not wish to receive future marketing mailings from GEICO, please complete the form available at, or send your full name and mailing address, including ZIP code, to Mail Preference, GEICO Marketing, One GEICO Plaza, Floor 4T, Washington, D.C. 20076. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image © 1999–. © GEICO