How To Lower Your GEICO Car Insurance
One of the great features about GEICO is that they're usually willing to work with their policyholders to lower their car insurance quotes, especially if you tell them that you plan to get a quote from competitors...
The best way to lower your GEICO policy is usually to call your local agent and express your desire to lower your monthly premiums. They'll typically give you a few pointers or offer programs and discounts that you can apply for. Here are some of the best methods that you can use to lower your premium.
Maintain A Safe Driving Record
The safer you drive, the lower your insurance will be. Suppose you can avoid any accidents (at-fault or not-at-fault) and avoid traffic tickets (reckless driving, speeding, etc.) that put points on your license for several years at a time. In that case, your car insurance premiums will likely decrease naturally over time.
Raise Your Credit Score
Most insurers look at your credit account’s financial strength and use it to determine your monthly premium rates. One of the easiest ways to lower your GEICO car insurance rates is to raise your credit score, make all of your payments on time, and avoid any liens on your vehicle at all costs. Once you raise your credit score a bit, give your agent a call and talk to them about any discounts!
Take A Defensive Driving Course
GEICO offers a low-cost online defensive driving class that you can easily complete within a couple of hours on your next day off. After taking the course, you'll receive a brief virtual test. If you pass the test, you may be able to save between 5% and 10% on your premiums.
Get A More Economical Car
If you're driving a fancy sports car, then expect to pay extra for it. These cars are statistically more likely to be involved in dangerous accidents. If you're tired of paying an arm and a leg to insure your brand-new muscle car, then consider switching to a more economical option with a standard 4-cylinder engine. Our cheapest cars to insure guide might be handy as well.
Move To Another City
The closer you live to a big city, the more you'll pay. By moving out to the suburbs or into the country, you could receive a considerable discount on your monthly auto insurance rates.
Reduce How Often You Drive
Many insurers will charge you extra for putting more miles on your car. In general, if you drive less than 13,000 miles per year, you'll save money on your policy.
Apply For Umbrella Insurance Policies
In addition to auto insurance, GEICO also offers life insurance, home insurance, renters insurance, motorcycle insurance and more. You can save on your total policy by bundling all of your policies together under one GEICO policy.
