Geico offers discounts for people who are members of specific groups. This includes military personnel, federal employees, and members of special organizations that Geico partners with. If you have problems with Geico's online quotation system or prefer to speak to a representative, you can also get a quote through a local Geico agent or by calling (800) 207-7847. 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 is legal. Within San Francisco, rates vary by zip code and car insurance is cheaper near the airport and in the Marina district.
Practicing safe driving habits and avoiding traffic violations can help you qualify for lower insurance rates from Geico in the long term. Finally, if you're still struggling to pay for your Geico policy, you should consider switching to another insurer. Two ways younger drivers can save money on their car insurance are by sharing a policy with a parent and qualifying for a good student discount. You can get quotes on 26 types of insurance from Geico, including auto, property, life, travel, pet and business insurance.
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. 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. Geico's 16 discounts for auto insurance customers range from student and military discounts to discounts for good drivers and cars with airbags. 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.
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. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. Geico discounts are offers that can save Geico car insurance customers up to 40%, or even more if the discounts are combined. Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy.
But like all major auto insurance companies, Geico doesn't have a senior discount that automatically lowers rates for all older drivers.
