Drivers who invest in safety training or educational courses can benefit from savings on their car insurance. In addition, young drivers who maintain good grades are also entitled to discounts. This is because insurance companies, including Geico, generally consider these drivers to be at lower risk. 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.
Geico is very expensive because car insurance is expensive overall, due to rising costs for insurers. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. 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. In addition, Geico auto insurance customers can get personalized quotes for other types of insurance through the Geico app.
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. 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. 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. 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. For example, Geico offers a multi-vehicle discount for drivers who insure more than one car on their policy.
Finally, if you're still struggling to pay for your Geico policy, you should consider switching to another insurer. You can purchase AirCare flight insurance from Geico to cover only air travel, or ExactCare travel insurance to cover more types of travel situations. Geico discounts are offers that can save Geico car insurance customers up to 40%, or even more if the discounts are combined. You can get quotes on 26 types of insurance from Geico, including auto, property, life, travel, pet and business insurance.
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.
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