Does geico car insurance in st. joseph offer discounts for drivers who pay their premiums annually or semi-annually instead of monthly?

Geico stands out for the number of discounts it offers to young drivers. It offers 16 discounts and offers reduced premiums for a range of actions and behaviors, such as driving well, taking a defensive driving course, insuring several vehicles and getting good grades as a student. Even your membership in a fraternity, sorority, or honor society could get you a discount with Geico. It's a good idea to shop around to find your car insurance coverage as you approach the end of the policy term.

Keep in mind that premiums and policy structures advertised for auto insurance companies are subject to fluctuation according to company policies. Auto-Owners ranks high in customer satisfaction and offers affordable premiums to young drivers looking for car insurance. To help you begin your search, CNBC Select broke down the top auto insurance companies for young adults, based on their needs. Each car insurance company has its own way of weighing this information to calculate your premium, which makes searching for prices and comparing quotes important if you want to save money.

In addition to standard coverage options, Geico offers several optional add-ons, such as emergency roadside assistance, vehicle rental reimbursement and mechanical breakdown insurance. Consider getting your renters or homeowners insurance from the same company as your car insurance policy. If you're one of the many Americans who qualify for the USAA, this might be a good place to start looking for car insurance. Getting a secured credit card, paying bills on time every month, and even checking your score for any inaccuracies or contesting errors could help you reduce the amount you'll pay for car insurance.

Finally, combining your car insurance with any other type of insurance you may have could result in a discount. That's because many car insurance companies consider your age and how long you've been driving when determining how much you'll pay for coverage (also known as a premium). Minimum state coverage doesn't include many of the types of coverage that full-coverage car insurance would offer, including comprehensive coverage. Keep in mind that in some states, including Massachusetts and Hawaii, auto insurers can't use your age at all in the calculation.

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