Drivers who invest in safety training or educational courses can benefit from savings on their car insurance. In addition, young drivers who maintain good grades are also entitled to discounts. This is because insurance companies, including Geico, generally consider these drivers to be at lower risk. Finally, if you're still struggling to pay for your Geico policy, you should consider switching to another insurer.
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. 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. For more information on how to save on car insurance for teen drivers, check out WalletHub's picks to find the most affordable car insurance for teens. 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. There are more than 500 groups and organizations that have partnered with Geico to offer car insurance savings to their members.
Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Geico in the long term. In addition, Geico auto insurance customers can get personalized quotes for other types of insurance through the Geico app. Geico's 16 discounts for auto insurance customers range from student and military discounts to discounts for good drivers and cars with airbags.
For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. 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. You can purchase AirCare flight insurance from Geico to cover only air travel, or ExactCare travel insurance to cover more types of travel situations. Every insurance company determines its rates differently, so even though Geico is among the cheapest car insurance companies, the best way to ensure you're getting the cheapest rate is to compare quotes from several insurers.
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.