Geico offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. Or you can save up to 25% on your premium if you insure more than one car with Geico. California uses an online system to check the status of your car insurance and follows comparative fault laws to resolve claims for injuries and damages from car accidents.
For example, Geico offers a multi-policy discount, which gives a discount to drivers who have another Geico policy in addition to their car insurance. Geico's 16 discounts for auto insurance customers range from student and military discounts to discounts for good drivers and cars with airbags. 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. 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.
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. GEICO offers the cheapest full-coverage auto insurance in California, beating CSAA and Progressive for the best price. Most car insurance companies believe that married people are less likely to be involved in car accidents than single drivers. Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Geico in the long term.
Liability insurance covers the costs of medical treatment and repairs to other people's cars because of an accident you cause. Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy. For example, if you are responsible for 25% of a car accident, the driver who is primarily at fault may only have to cover 75% of your medical and car repair bills. But like all major auto insurance companies, Geico doesn't have a senior discount that automatically lowers rates for all older drivers.
Teens are charged the highest car insurance rates of all age groups, because they have the highest accident rates.