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. Geico discounts are offers that can save Geico car insurance customers up to 40%, or even more if discounts are combined. 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.
For example, Geico offers a multi-vehicle discount for drivers who insure more than one car on their policy. 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. 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. 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.
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. Geico is very expensive because car insurance is expensive overall, due to rising costs for insurers. Drivers who invest in safety training or educational courses can benefit from savings on their car insurance. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Geico in the long term. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger.
Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy. 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. You can get quotes on 26 types of insurance from Geico, including auto, property, life, travel, pet and business insurance. Finally, if you're still struggling to pay for your Geico policy, you should consider switching to another insurer.