A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 28, 2022

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Key InfoProvider Specifics
Year Founded1936
Current ExecutivesTony Nicely- Executive Chairman
Bill Roberts- Vice Chairman
Todd Combs- President and CEO
Number of Employees40,000+
Total Liabilities$11.5 billion
Total Assets$27.2 billion
Headquarters Address5260 Western Avenue,
Chevy Chase, Md. 20815
Phone Number(800) 841-3000
Company Websitehttps://www.geico.com
Premiums Written33,075,434
Loss Ratio70.65%
Best ForLow cost insurance
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Geico is the second-largest auto insurance provider in the United States, with over $33 million in direct premiums written.

Now a subsidiary of Berkshire Hathaway — one of the world’s most renowned financial institutions — Geico was founded in 1936 to provide federal employees with affordable car insurance. In fact, the name Geico originally stood for “Government Employees Insurance Company.”

Today, however, Geico provides all types of people with car insurance, reeling many of them in with an animated gecko with a British accent who always tells you, “15 minutes or more can save you 15 percent on car insurance.”

But you need to know more than that when choosing a car insurance provider. You need to know if a car insurance provider can meet all your needs.

When shopping for car insurance, the key issues you need to prioritize include:

  • The level of insurance coverage you need;
  • The amount of money you can afford to pay for your car insurance premium; and
  • The type of insurance company you want to do business with.

We understand: Trying to determine whether Geico or any other insurer is right for you can be difficult.

You need rate comparisons, thorough coverage options explanations, solid data, and financial assessments. But don’t worry. We’re here to help with all that and more. We’ve created this guide to give you the information you need to make a wise car insurance decision for you and your family.

We’ve also provided this FREE tool to help you find car insurance quotes based on your ZIP code.

So if you’re ready to learn as much as you can about Geico, keep reading. You’ve come to the right place if you’re looking for an easy-to-follow, all-inclusive review of Geico car insurance.

Geico’s Rating Agency

Let’s get started by looking at some of Geico’s financial rating information. The table below offers an overview of the various ratings top agencies give Geico car insurance.

AM BestA++
Better Business BureauA+
NAIC Complaint
Index Ratio
J.D. Power3/5 (Overall Satisfaction)
Consumer Reports89
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In the following sections, we’ll dig more deeply into these ratings.

A.M. Best

Our research shows that A.M. Best is the oldest and most widely recognized agency providing ratings and financial data exclusive to the insurance industry. They rank a company’s financial strength by assigning ratings from an A++ to a D, much like grades in school.

A.M. Best gives Geico their highest ranking, a superior A++.

But you might be wondering: what does that mean for the insurance giant? An A++ rating means A.M. Best has found that Geico has a superior ability to meet the ongoing insurance policy and contract obligations of its customers.

Frankly, that’s great news if you’re doing business with the insurance juggernaut.

Better Business Bureau

The Better Busines Bureau is a private, nonprofit organization that analyses how a business interacts with its customers, awarding businesses a grade from A+ (highest) to F (lowest). These grades are based on several factors, including:

  • Business’s complaint history with BBB
  • Type of business
  • Time in business
  • Transparent business practices
  • Failure to honor commitments to BBB
  • Licensing and government actions that are known to BBB

The BBB awards Geico Insurance an A+, their highest rating, on the national level.

On the BBB homepage, you can find local ratings for most companies by simply entering your location.

Moody’s Rating

If you’re a consumer on top of your personal finances, you probably know that you have a credit rating, and that your credit rating matters when it comes to any number of things, from buying a home to even, in some cases, getting a job. You might also know that your credit rating affects your car insurance premiums.

But did you know that car insurance companies have credit ratings, too?

That’s where Moody’s steps in.

Moody’s is considered one of the Big Three credit-rating agencies, providing ratings and analysis and tracking debt for companies in more than 135 nations.

Moody’s unique rankings range from Aaa (the highest quality) to C (the lowest quality).

Moody’s rates Geico an Aa1 company. They explain that for such companies, “obligations rated Aa are judged to be of high quality and are subject to very low credit risk.”

S&P Rating

Another of the Big Three credit-rating agencies, Standard & Poor’s offers ratings ranging from AAA (the best) to D (the worst).

Good news for Geico: according to S&P, the insurance provider recently earned an AA+, meaning the company has a very strong capacity to meet financial commitments.

Check out the video below to see how S&P ratings should be taken into account when considering doing business with a company.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) finds that Geico has a complaint ratio of 0.8, far below the national complaint ratio for all insurers of 1.16.

J.D. Power

So now that you know that Geico gets far fewer complaints than most insurance providers, you might want to know how satisfied customers say they are with the Chevy Chase, Md.-based company.

That’s where J.D. Power steps in: to provide you with customer satisfaction scores.

J.D. Power’s 2019 U.S. Auto Insurance Study ranks auto insurance companies by region and measures customer satisfaction in five areas (in order of importance):

  1. Interaction
  2. Policy offerings
  3. Price
  4. Billing process and policy information
  5. Claims

For 2019, J.D. Power reports that Geico had an overall customer satisfaction rating of three out of five points for both claims and shopping satisfaction. Although that might not sound that great, our research shows this is a pretty average rating.

Consumer Reports

While J.D. Power provides a great overview of a company’s overall customer satisfaction, Consumer Reports offers a closer look at the day-to-day relationship between a car insurance provider and its customers.

Consumer Reports is an independent nonprofit that uses consistent and up-to-date customer feedback to help inform the purchasing decisions of us all.

Consumer Reports recently gave Geico Insurance a score of 89 out of 100.

Now that we know how Geico rates — consistently pretty high to above average across rating agencies — let’s take a look at the company’s history.

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Geico History

In 1936, Leo and Lillian Goodwin founded Geico as an insurance agency specifically for federal government employees. By 1964, the company surpassed 1 million policies, becoming one of the fastest-growing insurance providers in the United States.

Geico has always been a leader in insurance innovation. In 1980, for instance, the company was the first insurance provider to offer 24/7/365 telephone customer service. In 1999, the company introduced one of the most famous marketing campaigns of all time: the Geico Gecko. He has yet to leave our televisions, computers, and radios.

In 1996, Warren Buffett bought the outstanding amount of Geico stock, making the company a full subsidiary of the powerful Berkshire Hathaway. Today Geico holds more than 17 million policies and insures more than 28 million vehicles.

In the sections below, we’ll look at the company’s growth and potential.

Geico Market Share

Financial information provider Investopedia reports that a company’s market share “represents the percentage of an industry, or a market’s total sales, that is earned by a particular company over a specified time period.”

Geico’s market share is steadily growing. Here’s their market share of auto insurance from 2015 to 2018:

  • 2015: 10.77 percent
  • 2016: 11.89 percent
  • 2017: 12.79 percent
  • 2018: 13.41 percent

Geico is the second-largest car insurance provider in the United States, trailing only State Farm. But as you can see, the company is growing.

Geico’s Position for the Future

As we’ve already discussed, Geico is one of the biggest car insurance companies in the United States. And our research shows that the company’s commitment to innovation positions them well for the future.

Geico’s Online Presence

Geico makes it incredibly easy to find a local agent through their online search tool. They also have active Twitter, Instagram and YouTube channels. These channels can help you learn more about the company’s culture.

Geico Commercials

Geico has some of the best commercials of any company. But lizards aren’t the only animals making an appearance in Geico commercials. Check out this one featuring a camel.

Sometimes, even Geico customers get to appear in their commercials alongside their famous spokespeople … and animals.

But not all Geico commercials will make you laugh. Some of them are straight-up tearjerkers and showcase Geico’s commitment to community engagement.

And finally, a lot of Geico video advertisements will help you learn more about the insurance they provide their millions of customers.

Geico in the Community

The Geico Cares program is a comprehensive community engagement initiative that provides resources for several key initiatives. For instance, Geico works extensively with Habitat for Humanity, Paws For a Cause and the Game On! program. Here’s Rynthia Rost, Geico’s Vice President of Public Affairs, talking about the potential of Geico Cares.

Geico also supports Children’s National Hospital in Washington, D.C., which provides care to children regardless of their family’s ability to pay. To date, Geico has raised over $3.4 million for the important research hospital.

Geico’s Employees

So how do Geico employees like working for the company?

Our research shows that Geico employees tend to like their experience working at Geico, and that the company has won many awards and rankings for being a great place to work.

Here’s a look at what popular job tracking agencies have to say about working at Geico.

Glassdoor reports that as a full-time Geico associate, you’ll be offered a Total Rewards Program that includes:

  • 401(k) and profit-sharing plans
  • Medical, dental, vision and life insurance
  • Paid vacation, holidays and sick leave
  • Performance-based promotions
  • Career advancement and job stability
  • Tuition reimbursement
  • Training and mentoring programs
  • Business casual dress
  • Associate clubs and volunteer activities
  • Flexible spending accounts
  • Family scholarships for associates’ children
  • On-site fitness and dining facilities (at most locations)
  • Associate auto insurance discounts (where applicable)

PotentialPark gave Geico several workplace accolades in 2017, including:

  • #1 Career Website
  • #2 Online Application
  • #1 Mobile Communication
  • #1 Online Talent Communication

Great Place to Work reports that a majority of Geico employees — 68 percent — rate Geico a great place to work. They also note that over 85 percent of Geico employees report being treated fairly regardless of their sex, consider the company a friendly place to work, feel good about the ways the company contributes to the community and believe that they were made to feel welcome at their workplace.

Payscale reports that Geico employees rate the company 3.4 out of five for job satisfaction. That’s the same rating as State Farm, but a little lower than Progressive. And although employees describe Geico as a stressful place to work, they also contend that their work environment is highly flexible.

The video below shows that Geico employees like to have their share of fun.

Cheap Car Insurance Rates

If you’re like us, you love a good deal.

And that’s probably especially true when it comes to shopping for car insurance for you and your family. That’s in large part why we’ve created this guide: to help you navigate not only the particulars of car insurance quality but also the cost of the insurance you need.

Some good news: Part of the reason Geico is growing so quickly is that they are known for offering affordable rates to their millions of car insurance customers.

Read on to find out more about finding the most affordable rates for car insurance.

Geico Availability and Rates by State

You might be wondering: Is Geico available where I live? If you’re in the United States, the answer is yes.

Geico car insurance policies are available in all 50 states and the District of Columbia.

You can easily find a Geico insurance agent near you.

With a national average car insurance premium of $3,073.66, our research shows that Geico has some of the cheapest premiums of any car insurance provider.

We found that the drivers paying the highest average Geico premium live in Michigan, paying an average of $6,430.11 a year for car insurance. The states with the next highest premiums were Louisiana and Rhode Island, with average rates between $5,500 and $6,200.

Conversely, we found the lowest average Geico rates in Massachusetts, where the average premium is a low $1,510.17. Massachusetts is followed by New Hampshire and Ohio, both with annual rates averaging just under $2,000.

Check out the table below to see how Geico premiums in your state compare to the other 50 states (and the District of Columbia).

StateAnnual PremiumHigher/LowerHigher/Lower %
District of Columbia$3,692.81-$746.43-16.81%
New Hampshire$1,615.02-$1,536.76-48.76%
New Jersey$2,754.94-$2,760.27-50.05%
New Mexico$4,458.30$994.6628.72%
New York$2,428.24-$1,861.64-43.40%
North Carolina$2,936.69-$456.42-13.45%
North Dakota$2,668.24-$1,497.60-35.95%
Rhode Island$5,602.63$599.2711.98%
South Carolina$3,178.01-$603.13-15.95%
South Dakota$2,940.29-$1,041.98-26.17%
West Virginia$2,120.80-$474.56-18.29%
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Geico Rates Compared to Top Companies

So how do Geico premiums compare to the rates of the nation’s other top providers? Check out the table below to find out.

CompanyMedian Annual PremiumCompared to Geico (+/-)Compared to Geico (%)
American Family$3,698.77$625.1116.90%
Liberty Mutual$5,295.55$2,221.8941.96%
State Farm$2,731.48-$342.18-12.53%
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Comparing the Top 10 Companies by Market Share

So how much of the market does each of the top 10 car insurance companies account for?

Good question. As we’ve already discussed, Geico is the second-largest car insurance provider in the United States. But that doesn’t mean you don’t want to know more about what companies fall in line ahead of and behind them.

In the table below, we offer the top 10 companies by market share for 2018, also including their amount of direct premiums written and loss ratios.

StateAverage by StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
District of Columbia$4,439.24$6,468.92--$3,692.81-$4,848.98$4,970.26$4,074.05-$2,580.44
New Hampshire$3,151.77$2,725.01--$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46-$1,906.96
New Jersey$5,515.21$5,713.58-$7,617.00$2,754.94$6,766.62-$3,972.72$7,527.16$4,254.49-
New Mexico$3,463.64$4,200.65-$4,315.53$4,458.30-$3,514.38$3,119.18$2,340.66-$2,296.77
New York$4,289.88$4,740.97--$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$3,393.11$7,190.43--$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66-
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53-$2,006.80
Rhode Island$5,003.36$4,959.45--$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43-$4,691.85$3,178.01-$3,625.49$4,573.08$3,071.34-$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23--
West Virginia$2,595.36$3,820.68--$2,120.80$2,924.39--$2,126.32-$1,984.62
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Average Geico Male vs Female Car Insurance Rates

You might be wondering: Do men and women pay different amounts for car insurance? Sadly, they often do.

In most places, men will pay more than women, especially teenage males, who can pay substantially more than their female peers. But both aging and getting married decrease rates regardless of gender.

Six states — California, Hawaii, Massachusetts,  Montana, North Carolina, and Pennsylvania — have banned gender discrimination in car insurance premiums, and we imagine more states will follow suit.

So how does gender affect premiums for Geico customers?

Though rates are significantly different for single men and women at ages 17 and 25, married men and women at ages 35 and 60 average about the same when it comes to their Geico premiums.

The table below shows average Geico rates for people of various genders, ages, and marital statuses.

DemographicAverage Premium
Single 17-year old female$5,653.55
Single 17-year old male$6,278.96
Single 25-year old female$2,378.89
Single 25-year old male$2,262.87
Married 35-year old female$2,302.89
Married 35-year old male$2,312.38
Married 60-year old female$2,247.06
Married 60-year old male$2,283.45
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But how does your typical commute affect your Geico insurance rate?

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Average Geico Commute Rates

When it comes to buying car Insurance, your commute distance typically has a minimal effect on your car insurance premium.

If you’re buying car insurance through Geico, drivers with an average 10-mile commute (6,000 miles per year), can expect to pay about $3,162.64 in annual premiums. Drivers with an average 25-mile commute (12,000 miles per year), can expect to pay just slightly more, about $3,267.37 per year.

Average Geico Coverage Level Rates

This is probably just common sense: The more car insurance you need, the higher your premium will be. If you’re doing business with Geico, this adage remains true.

The table below illustrates how rates steadily decrease as they move from high to low.

Geico Average Premium$3,001.91$3,213.97$3,429.14
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Average Geico Credit History Rates

You probably know that your credit history affects many parts of your life, from buying a home to even, in some cases, getting a job. Our car insurance premiums are not free from their effects, either.

This short video offers a great explanation as to how and why credit scores help determine car insurance premiums.

The table below provides average premiums for Geico drivers of various credit histories.

Geico Average Premium$2,434.82$2,986.79$4,259.50
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But what will affect your car insurance premiums even more than your credit history?

It’s a factor that worries a lot of people: your driving record.

Average Geico Driving Record Rates

Most of us don’t have spotless driving records. Not surprisingly, our research shows that drivers with a clean record pay the least for car insurance premiums. But what about drivers with a speeding violation, an accident, or a DUI in their past?

The table below reflects this data for Geico consumers.

Geico Average Premium$2,145.96$2,645.43$3,192.77$4,875.87
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Coverages Offered

This likely doesn’t come as a shock: When you’re shopping for car insurance, you need to know about more than just rates and rankings. You need to know what kind of coverage a company offers and various factors that can affect your rate for that specific company.

In the sections below, we’ll cover this information and more.

Types of Coverage Offered

Geico Insurance offers multiple types of insurance coverage including:

  • Car insurance
  • Motorcycle insurance
  • Homeowners insurance
  • ATV insurance
  • Umbrella insurance
  • Life insurance
  • Boat insurance
  • Business insurance

Types of Car Insurance Coverage

It’s good to know: Geico offers full coverage car insurance policies to meet every state’s minimum requirements. The company also offers several different options for additional coverages and riders.

The basics of each policy start with the liability and no-fault coverage required by every state. This will differ from state to state but will include some or all of the coverages listed below. From there, coverage levels can be increased and extra coverages can be added. These extra options include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Medical payments (MedPay)
  • Uninsured/Underinsured motorist bodily injury
  • Uninsured/Underinsured motorist property damage

What is uninsured and underinsured motorist bodily injury coverage, you might be wondering? Check out the video below.

Other handy coverages Geico offers include:

Geico Discounts

Geico offers a lot of substantial discounts to its customers.

From military to good student, make sure to ask your Geico agent if you qualify for any of the 32 distinct discounts listed below:

Anti-lock Brakes5%
Claim Free26%
Continuous Coveragex
Daytime Running Lights1%
Defensive Driverx
Distant Studentx
Driver's Edx
Early Signingx
Emergency Deployment25%
Family Legacyx
Farm Vehiclex
Federal Employee8%
Full Paymentx
Further Educationx
Good Student15%
Low Mileagex
Multiple Policies10%
Multiple Vehicles25%
Newer Vehiclex
Passive Restraint40%
Safe Driver15%
Seat Belt Use15%
Students and Alumnix
Utility Vehiclex
Vehicle Recovery25%
Total Discounts Provided31
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What Stands Out

Our research shows that Geico offers many great discounts that appeal to drivers of all ages and experience levels. There are, however, some noticeable omissions: discounts for green vehicles and recent retirees are not offered through Geico, for instance.

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Canceling Your Policy

Need to cancel your policy? According to its website, Geico makes it pretty easy. They urge you to follow these steps:

  1. Call (800) 841-1587 to speak with a licensed agent.
  2. If prompted to speak to the Interactive Voice Response (IVR), say “cancel insurance policy” and then “auto.”
  3. You may be asked to say your Geico policy number, so please have that ready.

And remember: In most states, you must have continuous car insurance coverage. So don’t cancel one policy before having another in place.

GEICO’s Cancellation Fee

Geico generally does not charge a cancellation fee for its customers, and you can cancel at almost any time.

How to Make a GEICO Claim

So how do you make a claim with Geico Insurance?

Geico makes filing a claim fairly straightforward and simple. Claims can be filed:

  • Online through the Geico website
  • Via the Geico mobile app
  • Calling the 24/7 claims phone number at 1-800-841-3000

This video offers a brief primer on what to do in the case of an accident.

If an accident occurs, you’ll need some information to file your claim. Here are the basics of what Geico requires:

  • Date and time of the incident
  • Vehicles involved
  • Description of the incident
  • Description of damages
  • Location of incident

GEICO’s Premiums Written

When you’re dealing with the nation’s second-largest car insurance provider, it’s probably not surprising to find that the company writes a lot of premiums. $29.5 billion in premiums for 2017, in fact.

GEICO’s Loss Ratio

To assess the financial health of insurance companies, you should look at their loss ratios. Loss ratios are the money insurance companies pay out in claims compared to the money they take in for premiums.

For example, if an auto insurer collects $100 in premiums and pays out $75 in claims, the company’s loss ratio is 75 percent.

The video below explains loss ratios quite well.

Geico’s current loss ratio is 77.14 percent, above the national average.

How to Get a GEICO Quote Online

As more consumers are turning to the web to meet their car insurance needs, providers are paying attention.

Geico has long been a leader in online interactions with their current and potential customers. In fact, it’s one of the hallmarks of the company. So getting a solid car insurance quote at geico.com is a pretty easy process.

Once you land on the Geico homepage, simply enter your ZIP code to the right of the famous gecko and click “START QUOTE.”

After you enter your ZIP code, the site does something a bit unusual; it asks what the purpose of your quote request is.

Once you answer, the system will ask for your name, followed by your date of birth and your address. If the system can find vehicles registered at your address, it will ask if you want to add them to the quote. If not, you’ll be asked to enter vehicle information.

The next section requires driver information, including your Social Security number. If you’re not comfortable entering it online, you can’t continue the quote here, but you can call Geico for a quote instead.

If you decide to go ahead with your quote, you’ll need to enter your driver’s license information; otherwise, you can save the quote and come back to it later.

After you enter this information, Geico will present your quote and give you options for purchasing online or over the phone.

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Design of Website and App

Geico prides itself on its website and multi-function mobile app.

From our perspective, the site itself is extremely clean, visually pleasing and well-organized. We did find, however, that a lot of scrolling was required to find some information such as coverage details. We should note, though, that all the main categories of insurance are easily accessible, including product information and claims. The site loads quickly and is easy to navigate.

Geico Mobile is one of the most popular mobile applications from across the car insurance industry. The Geico Mobile app allows you to:

  • Update your policy
  • Get digital ID cards
  • Pay a bill
  • Get a quote
  • Report and track a claim
  • Report glass damage
  • Get roadside assistance
  • Find gas
  • Locate parking
  • Care for your vehicle
  • Get a photo estimate
  • Find a ride

And it’s extremely easy to set up Geico Mobile. Just watch the video below.

Pros and Cons

So now that you know more about getting a Geico car insurance policy, let’s look at some of the specific pros and cons of taking out a car insurance policy with them in the table below.

Lower rates than most providersHefty price increases for common driving mishaps (accidents, etc.)/ accident forgiveness is extra for new customers
Great mobile appDiscount driving app is still new and doesn't include every feature yet
Available in all 50 statesMay have increased rates if you move
Wide range of coverages and discountsNot all discounts save significant amounts
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The Bottom Line

Geico is often the cheapest car insurance option in many areas and offers an array of coverages that are easy to obtain and maintain online. Additionally, the company offers coverage in all 50 states and the District of Columbia.

They also offer multiple discounts — 32 in fact — which can be good if you are looking to save money.

Bottom line? In spite of some shortcomings, Geico is a consistent and reliable company — one we are sure will continue to see growth for many decades to come. It is definitely worth getting an auto insurance quote from Geico.

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Geico Car Insurance FAQs

Now that we’ve covered the basics of doing business with Geico Insurance, you might still have some lingering questions. We’ve created this FAQ to help.

Can I get copies of my Geico ID card online?

Absolutely. You can view, print, and email a new insurance card, or request a mailed ID card through both the Geico website and mobile app.

Can I make payments to Geico online?

Yes, you can make payments through the Geico website. You can also make a payment through the Geico Mobile app or by phone at (800) 207-7847.

What is required for the Geico Good Student discount?

To qualify for the Good Student discount through Geico, you must:

  • Be between the ages of 16 and 24
  • Maintain an average of a B or better (or the equivalent of a B if your school uses a different grading system)

So can Geico really save you 15 percent on car insurance? If you qualify, you can save up to 15 percent on your policy. but it’s also good to know that Geico’s rates for young drivers come in well below the average, even for a 17-year-old. That makes them a good choice for young drivers.

What is Geico’s Defensive Driver program?

Geico’s Defensive Driver program offers a discount on your car insurance premium for being a consistently safe driver. Visit their comprehensive guide to see if you qualify in your coverage state.

Now that you’ve read our review of Geico Insurance, it’s time to hit the road. But before you go, we’d like to know, did we miss anything in this guide?

And which section was most helpful to you?

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