Compare GEICO vs. Titan Insurance

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A couple of strong competitors in the insurance world are GEICO and Titan. Being a subsidiary of Nationwide, Titan was founded in 1925. Whereas, GEICO was founded a little later in 1936. Both companies have their strengths and weaknesses. For instance, Titan has good amount of discounts as well as flexible payment plans, but customers can only file claims over the phone.

On the other hand, GEICO has amazing customer service and low premiums, but has limited coverage options. Nonetheless, GEICO and Titan have superior financial strength and J.D. Power rankings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO Titan
Best If GEICO
  • You want great customer service and low premiums
Titan
  • You want a lot of discounts and flexible payment plans
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

GEICO Titan
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO Titan
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO Titan
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History GEICO Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Titan
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance Titan Insurance
2016 144 1
2015 283 4
2014 267 4
2013 188 1

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance Titan Insurance
Overall Purchase Experience Below average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Below average Average
Call Center Representative Average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

GEICO Car Insurance Titan Insurance
Overall Satisfaction Average Above average
First Notice of Loss Above average Above average
Service Interaction Below average Above average
Appraisal Average Above average
Repair Process Below average Above average
Rental Car Experience Among the best Average
Settlement Average Average

Financial Strength Ratings

GEICO Car Insurance Titan Insurance
A.M. Best A++ A+
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO Titan
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

GEICO Titan
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)