As one of the most popular car insurance companies, GEICO has one of the most comprehensive marketing campaigns in the industry. One of the company’s primary goals is to attract and retain customers by offering many different discounts.

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There are dozens of GEICO car insurance discounts available to GEICO customers, from loyalty programs to reductions in premium by paying through electronic funds transfer from a checking account.

What kinds of car insurance discounts does GEICO offer its customers?

One of the most popular taglines that GEICO uses in its marketing efforts is that “15 minutes can save customers at least 15% on their car insurance.”

The reason GEICO can make this claim is because of the various discounts that are offered to customers.

One of the easiest ways for a policyholder to earn a discount on their premium is simply by owning or leasing a vehicle that has certain safety equipment installed. This includes vehicles with at least one airbag, and the discount grows with each additional airbag in place. GEICO claims that cars with a full-frontal airbag can earn the policyholder up to 40% off certain portions of their coverage.

Most vehicles manufactured today come standard with an anti-lock braking function, which allows the driver to not have to pump the brakes when coming to a sudden stop. A vehicle with anti-lock brakes automatically qualifies for a 5% savings.

Built-in or professional installed anti-theft and alarm systems provide another discount for customers. In fact, the comprehensive part of an insurance premium can have as much as 25% discounted if an alarm is installed.

Another important factor in safety is the presence of headlights. Cars with daytime running lights that are installed by the manufacturer are considered safer than cars without the lights, and therefore can earn the driver up to another 3% off their costs.

Are there discounts from GEICO that depend on what kind of driving history I have?

Of course! GEICO is pleased to offer substantial discounts to customers who have proven to be safe and responsible drivers over a period of time.

Drivers who have gone at least five total years without getting into an accident, whether a no-fault or at-fault accident, are eligible to receive substantial savings on their policy. In fact, GEICO claims that their safest drivers can save an additional 26% off their premium.

In addition, drivers with a great driving record who happen to get into an accident can qualify for the accident forgiveness program, which prevents an insurance premium from going up just because of one accident.

Does GEICO offer discounts that aren’t dependent on my driving record?

• Even drivers with less-than-stellar records can benefit from other car insurance discounts offered by GEICO. If drivers commits to always wearing a seat belt and making sure that all passengers wear a seat belt, this can save up to 15% on certain parts of the premium.
• Depending on state laws, GEICO customers can save an additional 10% off their insurance premium for attending and successfully completing a defensive driving course.
• Teenage drivers can help save their parents money by completing a school-sponsored or state-approved driver education course. In addition, students who maintain a clean driving record as well as good grades can help save up to 15% on the cost of the premiums. This discount is available for drivers up to 25 years of age who maintain a 3.0 (or “B” or 85) grade point average in school.
• GEICO is also pleased to offer discounts to the men and women who serve our country. This includes any military member who is deployed, including an extra discount for policyholders who are in a designated danger area. Active duty or reservists who insurance with GEICO can also receive an additional 15% off their coverage costs.
• GEICO also offers discounts to individuals that are affiliated with an organization that has a partnership with GEICO, such as a college or university. Depending on the organization, policyholders can shave an additional 8% off their rates.
• Federal employees can save another 8%, as can customers who have been insured with GEICO for a long period of time. In fact, customers who continue to renew with GEICO can save up to 30%.
• Households with two or more vehicles, or with multiple insurance policies through GEICO, such as homeowners or renters insurance, can also receive a discount.

Of course, it is best to compare insurance coverages, rates, and discounts, and to speak to an insurance agent or customer service representative if you have any specific questions about discounts.

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