There are several insurance options available to motorcycle owners. Two popular options are USAA and GEICO.
USAA (United Services Automobile Association) Insurance
USAA is a financial services company that primarily serves members of the U.S. military and their families. It provides a range of insurance products, including auto insurance, homeowners insurance, renters insurance, and life insurance to members of the military and their families.
USAA is known for providing excellent customer service and competitive rates, and the company has received high ratings for customer satisfaction from independent organizations such as J.D. Power and Consumer Reports.
To be eligible for USAA membership, you or a family member must have served in the military, or you must be the spouse or child of someone who has served.
GEICO (Government Employees Insurance Company) Insurance
GEICO is an insurance company that provides a wide range of insurance products, including auto insurance, homeowners insurance, renters insurance, and more.
GEICO is popularly known for its catchy commercials and its ability to offer competitive rates for its customers. The company has also received high ratings for customer satisfaction from independent organizations such as J.D. Power.
One unique feature of GEICO is its ability to offer insurance quotes online or over the phone, making it easy for customers to get a quote without having to visit an office in person. GEICO also offers discounts for good drivers, military members, and students.
Comparison between USAA and GEICO Insurance
We will be comparing and contrasting USAA and GEICO motorcycle insurance, looking at their coverage options, cost, customer service, and overall reputation.
Both USAA and GEICO offer comprehensive coverage options for motorcycle insurance. USAA provides liability, collision, and comprehensive coverage for motorcycles, while GEICO offers liability, collision, and comprehensive coverage as well as uninsured and underinsured motorist coverage.
USAA offers additional coverage options such as accessory coverage, trip interruption coverage, and custom parts and equipment coverage. Accessory coverage is for any additional equipment that is not factory-installed on the motorcycle.
Trip interruption coverage helps you pay for any unexpected expenses that may arise while you are on a road trip. Custom parts and equipment coverage is for any aftermarket parts or customization made to the motorcycle.
GEICO, on the other hand, offers additional coverage options such as emergency roadside service, rental reimbursement, and medical payments coverage. Emergency roadside service covers services such as towing, flat tire change, fuel delivery, and battery jump-starts. Rental reimbursement coverage helps cover the cost of a rental vehicle while your motorcycle is being repaired after an accident. Medical payments coverage helps pay for medical expenses incurred due to an accident.
The cost of motorcycle insurance varies depending on several factors such as the make and model of the motorcycle, the age of the rider, and the rider’s driving record. In general, GEICO is known for providing affordable rates for motorcycle insurance.
USAA offers competitive rates for motorcycle insurance, but they are primarily focused on serving military members and their families. Therefore, if you are not a military member or have a family member who is a military member, you may not be eligible for USAA’s services.
GEICO and USAA are both known for their exceptional customer service and both are consistently ranked highly in customer satisfaction surveys.
They both offer a 24/7 customer service line that is available to answer any questions or concerns you may have. GEICO also offers a mobile app that allows you to manage your policy, report a claim, and get roadside assistance.
Both USAA and GEICO have a straightforward claims process. USAA and GEICO both offer an online claims process that allows you to report a claim and track its progress.
They also offer a mobile app that allows you to take photos of the damage and submit them with your claim.
Overall, both USAA and GEICO are highly reputable companies that provide comprehensive coverage options for motorcycle insurance. The ultimate choice between USAA and GEICO will depend on your individual needs and preferences.