Geico Compare Car Insurance Quotes & Rates

Are you looking for a lower car insurance premium? If you’re buying a new car or shopping for a new insurance company, comparing car insurance rates is a great way to make sure you’re getting the best value.

While there is a lot to consider, an auto insurance quote comparison doesn’t need to be complicated. Follow a few simple guidelines to ensure you’re comparing the right parts of car insurance. We’re here to help you understand your options and make the best choice for your auto insurance needs. You can get a free car insurance quote with GEICO now.

What’s the difference between a car insurance quote and policy rate?

An auto insurance quote is an estimate of what a policy rate will be based on the info you give and the requested coverages and limits. If complete information isn’t provided when you get the quote or coverage information changes, the rate for your actual policy may change.

Here’s some examples of things that could cause differences between the quote amount and the policy rate.

  • If you start a quote with your vehicle, make, and model but no vehicle identification number (VIN), your rate may change after you enter the full VIN.
  • If you don’t provide details about accidents you’ve been in (even minor ones), your policy rate may be higher.
  • If you forget to provide details about the driving history for the drivers under the policy, that may lead to a higher rate.

If you’re preparing to get a quote, make sure you have all the accurate and complete information to make the process easier. You’ll need:

  • A valid driver’s license
  • Vehicle Identification Number (VIN) for all vehicles
  • Address where the vehicle will be stored
  • Driving history for you and any other drivers

How to compare car insurance quotes.

When you’re doing a comparison of auto insurance quotes or rates, make sure they’re for the same:

  • Coverages
  • Deductibles
  • Limits

Comparing car insurance can be a straightforward process once you understand what parts of a quote you need to compare. But what about the terms you encounter when getting an auto insurance quote? What is the difference between uninsured and underinsured motorist coverages? Read on for some tips that can make the comparison process quick and easy.

1. Decide on auto insurance coverages.

When you compare car insurance rates, make sure you select the same set of coverages for each quote. Coverage requirements vary and some coverages are optional. See our state car insurance guides for state-specific information.

Here’s an overview to help compare car insurance coverages:

  • Comprehensive coverage may pay for losses resulting from incidents other than collision
  • Collision coverage may pay for damage to your car when your car hits, or is hit by another vehicle or other object
  • Uninsured motorist coverage may help compensate you for your injuries caused by a person driving without insurance
  • Underinsured motorist coverage may protect you from drivers who cause an accident and may not have enough insurance to pay for your injuries
  • Medical payments coverage may pay medical expenses related to an auto accident
  • Personal injury protection may pay for your medical treatment, lost wages, or other accident–related expenses

Our Coverage Calculator is your best friend when it comes to understanding the terms you need to know while comparing car insurance quotes. Other important terms include:

  • Rental reimbursement may help pay your rental car costs while your car is being repaired as a result of a covered claim
  • Emergency road service may pay for towing of a disabled car to the nearest shop for repairs or for mechanical labor, up to one hour, at the place of breakdown
  • Mechanical breakdown insurance may help cover services while your car is repaired or if your car breaks down

2. Choose deductibles.

A deductible is the amount of money you pay out of pocket towards a claim. If you choose a higher deductible, it may lower your premium. Make sure you choose the same deductible for each quote when comparing auto insurance rates with different insurers.

3. Review and compare liability limits.

Liability coverage is required in most states. You can easily check your minimum state car insurance coverages.

If liability limit doesn’t sound familiar, you may know it better in this format: 100/300/50.

That’s just an example, but you’ll commonly see three numbers listed together on an auto insurance quote.

  • 100 = $100,000 per person in bodily injury liability coverage limit
  • 300 = $300,000 per occurrence in bodily injury liability coverage
  • 50 = $50,000 per occurrence in property damage liability coverage

Bodily injury liability coverage may pay if you are in an accident and responsible for another person’s injury.

Property damage liability coverage may pay if you’re responsible for damage to another person’s property. For more details, review additional information on car insurance coverages.

If you’ve stepped up your insurance terms game as a result of the above information, get a fast auto insurance quote from GEICO and see how much you could save.

Why choose GEICO when you compare car insurance?

For over 75 years, we’ve been working hard to provide outstanding customer service at an affordable price. Here are 10 reasons to switch to GEICO car insurance:

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  1. New customers report an average annual savings over $500*
  2. Lots of auto insurance discounts available
  3. 97% customer satisfaction rating**
  4. We’re available 24/7/365
  5. Our #1 rated insurance app***
  6. Use your voice to check on your policy
  7. Vehicle insurance options for your motorcycle, ATV, and RV
  8. Help with property insurance too: homeowners, renters, and condo
  9. Easy insurance payments options to fit your budget
  10. Claim repairs guaranteed for as long as you own your car, with Auto Repair Xpress®

 

Sponsored Guide

Complete Guide to NSFAS Online Loan Application for South African Students (2025)

If you are a South African student looking to pursue higher education but are facing financial difficulties, the National Student Financial Aid Scheme (NSFAS) is one of the most accessible funding options available. NSFAS provides financial aid in the form of bursaries and loans to qualifying students at public universities and TVET colleges in South Africa.

This guide will walk you through everything you need to know about the NSFAS loan application process, from eligibility requirements to application steps and frequently asked questions.

📌 What is NSFAS?

The National Student Financial Aid Scheme (NSFAS) is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.

NSFAS offers both bursaries and income-contingent loans:

  • Bursaries: For eligible students who meet academic and household income criteria (especially for TVET and university students).
  • Loans: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.

✅ Who Qualifies for an NSFAS Loan?

To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:

  • Be a South African citizen.
  • Be financially needy, with a household income of less than R350,000 per year.
  • Have a valid South African ID.
  • Be enrolled or accepted to study at a public university or TVET college.
  • Not be funded through another bursary program that covers all expenses.
  • Maintain satisfactory academic progress (returning students).

📚 Courses Funded by NSFAS

NSFAS primarily funds undergraduate qualifications, but certain postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB) may be considered under the NSFAS loan scheme, not bursaries.

If you’re studying:

  • Undergraduate degree or diploma: You are likely eligible for a full NSFAS bursary.
  • Postgraduate study: You may qualify for a loan, depending on the course and funding availability.

📄 Required Documents for NSFAS Application

When applying, make sure you have the following documents scanned and ready:

  1. Certified copy of your South African ID or Smart Card.
  2. Parent(s) or guardian(s) ID documents.
  3. Proof of income (latest payslips, UIF, or affidavit if unemployed).
  4. Consent Form signed by your parent(s)/guardian(s) to allow NSFAS to verify income.
  5. Proof of registration or acceptance at a public institution.
  6. Academic transcripts (for continuing or postgraduate students).

🖥️ How to Apply for an NSFAS Loan Online

Step-by-Step NSFAS Online Application Process (2025)

  1. Visit the NSFAS Website

    Go to: https://www.nsfas.org.za

  2. Create an Account

    • Click on “MyNSFAS” and register your profile.
    • You’ll need a valid email address and South African cellphone number.
    • Choose a strong password and verify your account via email or SMS.

  3. Login and Start the Application

    • After registration, log in to your MyNSFAS account.
    • Click on “Apply” to begin a new application.

  4. Fill in Your Personal Details

    • Input your ID number, name, surname, and other details exactly as they appear on your ID.
    • Provide household income information and living arrangements.

  5. Upload Required Documents

    • Upload all supporting documents in PDF or JPEG format.
    • Each document must be clear and under the size limit specified.

  6. Submit Your Application

    • Review your application for accuracy.
    • Click “Submit” and wait for a confirmation message.

  7. Track Your Application

    • Log in regularly to check your application status.
    • You will be notified via SMS and email at each stage of the process.

🗓️ Important NSFAS Dates (2025)

  • Application Opening Date: September 1, 2025
  • Application Deadline: January 31, 2026
  • Appeals Period: February 2026 (if rejected)
  • Disbursement: After registration and approval

Note: Dates are subject to change; always confirm on the official NSFAS website.

💸 What Does the NSFAS Loan Cover?

NSFAS funding typically includes:

  • Tuition fees
  • Registration fees
  • Accommodation (if living away from home)
  • Meals and transport
  • Learning materials (e.g., textbooks)

For loans, repayment is only required once you start working and earn above a threshold (around R30,000 annually, but subject to change).

🔄 NSFAS Loan Repayment

Repayments are:

  • Income-contingent – you only repay when you can afford to.
  • Administered by DHET (Department of Higher Education and Training).
  • Interest-bearing, but interest rates are low and favorable.

You can also apply for a partial loan conversion to a bursary if you perform well academically.

🔁 How to Appeal a Rejected NSFAS Application

If your application is rejected, you may submit an appeal via your MyNSFAS portal:

  1. Log into your MyNSFAS account.
  2. Click on “Track Funding Progress”.
  3. If rejected, click on “Submit Appeal”.
  4. Upload any missing or corrected documents.
  5. Provide a clear explanation or motivation.

📱 NSFAS Contact Information

📝 Final Tips Before Applying

  • Apply early to avoid system overload near the deadline.
  • Use your own email and cellphone number (do not use someone else’s).
  • Double-check that all your documents are certified and legible.
  • Keep a copy of your submission confirmation for reference.

By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams—without the burden of immediate financial pressure.

 

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