The Geico discount for good drivers is up to 22% for qualifying policyholders. To qualify for the Geico good driver discount, drivers must be accident free for five years, and this may even include the time you've been insured by another company. Direct sales of insurance to the consumer eliminate the cost of middlemen and allow Geico to have far fewer local offices and agents than companies like State Farm and Allstate. If you have problems with Geico's online quotation system or prefer to speak to a representative, you can also request a quote through a local Geico agent or by calling (800) 207-7847. Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles.
You can purchase AirCare flight insurance from Geico to cover only air travel, or ExactCare travel insurance to cover more types of travel situations. Each insurer uses its own algorithm to calculate premiums, so even if Geico charges you a high premium, you may be able to find a cheaper policy with another insurer. Finally, if you're still struggling to pay for your Geico policy, you should consider switching to another insurer. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Geico in the long term.
Drivers who invest in safety training or educational courses can benefit from savings on their car insurance. You can get quotes on 26 types of insurance from Geico, including auto, property, life, travel, pet and business insurance. Geico is very expensive because car insurance is expensive overall, due to rising costs for insurers. In addition, Geico auto insurance customers can get personalized quotes for other types of insurance through the Geico app.
There are more than 500 groups and organizations that have partnered with Geico to offer car insurance savings to their members. Geico's 16 discounts for auto insurance customers range from student and military discounts to discounts for good drivers and cars with airbags. You can reduce your Geico car insurance costs by taking advantage of Geico discounts, opting for a higher deductible and reducing your coverage, among other things. Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy.
Because your credit history is correlated with your likelihood of filing an insurance claim, Geico uses your credit data to calculate your premium in states where it's legal.