Vehicles with a built-in anti-theft system could offer you a discount of up to 23% on the full part of the premium. In fact, Geico says that its safest drivers can save an additional 26 percent on their rates with a five-year discount from Geico per good driver. Packages, several vehicles, installation of anti-theft devices, automatic and electronic statements, loyalty rewards, discounts for teenage drivers. Whether you have liability auto insurance coverage or a more comprehensive policy, discounts can help lower your car insurance premiums.
For example, if someone gets into your car and steals your laptop, the insurer will pay to replace the window and any other damage caused to the car, but not to the computer. Some state insurance commissioners also provide information about the average car insurance prices in their state. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. We also included a step-by-step guide on how to buy car insurance and explain why car insurance is worth your money.
If you receive an auto insurance quote from Geico over the phone, you'll get the same information; however, you'll also have the opportunity to ask personal questions. With the exception of New Hampshire and Virginia, every other state requires drivers to buy car insurance or pay some type of fee if they don't have insurance. However, comprehensive insurance only covers damage to your car that results from something other than a vehicle, such as theft, damage caused by fire, hail, or vandalism. Of course, it's best to compare insurance coverage, rates, and additional discounts, and talk to an insurance agent or customer service representative if you have any specific questions about discounts.
Reservists or active duty workers who insure with Geico can also receive an additional 15 percent discount on their coverage costs. Ultimately, you'll need to get a quote from Geico and then compare the rates of other insurance companies to see what your savings are. Since each auto insurance provider uses different terms to calculate rates, there's no simple answer to this question. Geico offers more than 30 different auto insurance discounts that you can qualify for, including the Geico DriveEasy mobile app and the discounts for defensive drivers, which can save you up to 26 percent on a single discount (depending on the discount, where you live, what you drive, etc.
While your driving history and the type of car you drive influence your premium, there are other factors that affect what you pay for car insurance.