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This is a sample report. It shows exactly what you'd see after uploading your own auto insurance declaration page or renewal notice. Based on a real scenario: a Texas household paying above-market GEICO rates without a recent discount review.
Analyze your actual bill →
Estimated Annual Savings
$600.00
Shop-around found Progressive at $135/mo — same coverage, same $500 deductible.
Premium Comparison ($/mo)
Current Premium (GEICO, 2 vehicles)
$185/mo
Best Quote Found (Progressive, same coverage)
$135/mo
GEICO $185/mo
37% above best quote
Progressive $135/mo
Identical coverage terms
Coverage Comparison
| Coverage |
GEICO (current) |
Progressive (quote) |
| Liability (bodily injury) |
100/300k |
100/300k |
| Liability (property damage) |
$100k |
$100k |
| Collision deductible |
$500 |
$500 |
| Comprehensive deductible |
$500 |
$500 |
| Uninsured motorist |
Included |
Included |
| Roadside assistance |
Included |
Included |
| Monthly premium |
$185 |
$135 |
⚠️ Always verify coverage before switching. This comparison reflects similar declared coverage terms — confirm deductibles, liability limits, and any exclusions match your GEICO policy exactly when reviewing the Progressive quote. Terms shown are illustrative.
Savings Breakdown
| Item |
Monthly |
| Premium difference (shop-around) |
$50.00 |
| Loyalty discount not applied (no review in 2+ yrs) |
Included above |
| Total potential monthly savings |
$50.00 |
Parsed Policy Details
| Insurer | GEICO General Insurance |
| State | Texas |
| Vehicles Insured | 2 |
| Policy Type | Auto — Full Coverage (Comp + Collision) |
| Collision Deductible | $500 |
| Comprehensive Deductible | $500 |
| Liability Limits | 100/300k bodily injury / $100k property |
| Monthly Premium | $185.00 |
| Last Discount Review | Not on file (>24 months) |
| Renewal Date | July 2026 |
Market Context — Auto Insurance in Texas
Texas is a competitive auto insurance market. Insurers price risk differently, and a policy
that was competitive two years ago may no longer be. The biggest driver of overpayment:
loyalty penalty — insurers regularly discount new-customer rates while quietly raising
renewal rates. GEICO hasn't applied a discount review to this account in over 24 months,
and the Texas average for equivalent 2-vehicle coverage is $155/mo.
Texas Average (2-vehicle, full coverage)
$155/mo
Best Quote Found (Progressive)
$135/mo
What To Do Next
-
1
Get 3 competitor quotes before your renewal date
Use progressive.com, statefarm.com, and allstate.com — all allow online quotes in under 10 minutes. Match your exact current coverage limits and deductibles. Compare the annual premium, not just the monthly — some insurers charge installment fees that add up. Aim to have quotes in hand 30 days before renewal.
-
2
Consider raising deductible to $1,000 if your emergency fund covers it
Raising from $500 to $1,000 deductible typically reduces premiums by $10–$20/mo per vehicle in Texas. If you have $1,000+ in an emergency fund and don't plan to file small claims (which can raise rates anyway), the higher deductible is usually worth it. The $50+ in quotes above assumes a $500 deductible — the gap widens at $1,000.
-
3
Bundle with renter's or homeowner's insurance if you have it
Most major insurers offer 5–15% multi-policy discounts when you bundle auto + home/renters. If you're currently insuring your home or apartment separately, run a bundled quote at the same time as your auto quotes. Progressive Advantage and State Farm both offer meaningful bundle discounts in Texas.
-
4
Call GEICO and request a loyalty discount review before switching
Before you cancel, call GEICO (1-800-207-7847) and say: "I'm reviewing my renewal — I have competitor quotes at $135/mo and I'd like to discuss a loyalty discount." Retention agents can apply discounts not shown online. If they can match within $10/mo, staying saves you the hassle of switching. If not, switch — it takes 20 minutes.
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