Geico offers several discounts that reward safe driving with reduced premiums. A Geico discount for safe drivers is available to policyholders who complete state-approved defensive driving classes. The program is available in every state except North Carolina, Michigan, Massachusetts, Vermont and Hawaii. Each state has different rules for approved defensive driving courses and the requirements for obtaining discounts, but drivers can expect to save between 5% and 20%.
The most common is a 10% discount at Geico. Geico policyholders get a discount on the price of the class, and then the course administrators directly notify Geico to apply the policy discount after the course ends. Yes, Geico offers mechanical breakdown insurance for cars that are less than 15 months old and less than 15,000 miles old. To learn more about whether Geico MBI is worth it, check out WalletHub's comprehensive guide to insurance against mechanical breakdowns.
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. The Geico Safe Driver Discount includes a few different discounts, such as the Defensive Driver Course Discount, the Good Driver Discount and Geico DriveEasy. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. This includes whether there is a Geico safe driver discount app, how to get affordable car insurance at a discount for Geico safe drivers, the average discounted car insurance rates for Geico's safe drivers, and more.
Geico mechanical breakdown insurance (MBI) is an add-on to the policy that insures a vehicle against mechanical problems, such as transmission or engine faults, that are not covered by standard car insurance. Auto insurance discounts are a way to save on rates, and you can save up to 26% with Geico's safe driver discounts. 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. Organizations also receive a Geico fee for every member who requests a Geico quote, even if they don't purchase a policy.
As a result, the Insurance Information Institute reports that an increasing number of states are enacting laws requiring insurance companies to be more transparent about what data they collect, how it is stored and what else companies can do with it.