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4 Ways To Save On Car Insurance

You may think that your auto insurance bill is set in stone. Not necessarily. The good news? Your savings on coverage may just be getting started. The following four tips could help you get cheaper car insurance:

  1. Install Safety and Security Devices
  2. Dig for Discounts
  3. Combine and Consolidate Policies
  4. Opt for a Higher Deductible
Review your policy.

Install Safety & Security Devices

While safety features like anti-lock brakes and air bags are now required by law in the U.S. for all new cars, be sure your insurer knows if your older car has such safety devices—it could save you some cash. Security devices may also help you cut your bill. GEICO offers a discount of up to 25 percent off the comprehensive portion of premiums to customers who install anti-theft alarm systems.

Dig For Discounts

Check out the variety of discounts you could be eligible for on GEICO’s discounts page. For instance, if you’re a member of one of the alumni, educational, professional and other organizations that work with GEICO, you could be eligible for a member discount. Completing a defensive driving course (or a driver’s education course for teens) could also make you eligible for premium reductions. GEICO is proud to offer discounts to Military members as well as federal employees. Call (800) 861-8380 to speak with an insurance representative about additional discounts you could be eligible for. Or, if you’re looking for a new policy, learn some tips to help you compare car insurance policies and see all of the great discounts you may be eligible for with GEICO.

Combine & Consolidate

Many households with more than one vehicle maintain separate insurance policies for each, but they may be missing out on a multi-car discount of up to 25% on most coverages. Move all your vehicles to GEICO and see how much more you could save.

Depending on the state you live in, you could be eligible for a multi-policy/multi-line discount if you buy more than one type of coverage through the same insurer. Pairing auto and homeowners insurance is the most common scenario, but pairing auto insurance with renterscondo, or mobile home insurance could yield similar results. Get a fast, free quote on to see how much you could save on insurance for your home, too.

Opt For A Higher Deductible

Typically, the higher your deductible (the portion of your claim you pay out of pocket), the lower your insurance premium. Many people avoid having a high deductible because they worry that they wouldn’t be able to cover it if something happened. To put your mind at ease, try opening a separate savings account just for emergencies. Once you’ve saved enough to comfortably pay potential deductible costs, call or go online to or use GEICO’s award-winning mobile app to adjust your coverage.

There are even more ways to help drive down auto insurance costs. Check out GEICO’s discounts page to find out more on how to maximize your savings.

By Danielle Blundell

Some discounts, coverages, payment plans and features are not available in all states or in all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. Homeowners, renters, condo and mobile home coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. The GEICO App and site received #1 rankings according to Keynote's 2018 Mobile Insurance Scorecard.
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  1. D.P says,

    I live in Florida also and it’s amazing that my insurance went up $20 + dollars because I have no fault on my policy. People don’t care about insuring their vehicles and we that do, have to pay the price. I agree with the comment of impounding that vehicle until proof of insurance and not that having to report every month to the DMV for six months straight on there covered vehicles. The only way to control this issue is to hold people accountable. This will also slow d some reckless driving . This may sound harsh. But I make enough money to take care of my responsibilities so should they.

  2. John c. Garrett says,

    I have a 1999 dodge Dakota sport and I’m 60 years old, have safe drivers, no tickets no accidents so why is my insurance 60.00 a month for 12 months 398.00 every 6 months. That’s to high for what coverings I have. I have had insurance with geico for over 8 years never missed a payment, same vehicle insured. Think it’s time to find cheaper insurance!

  3. DeWayne says,

    Ive had Geico for many years! Always been happy with them! I f I have a discount coming they usually let me know I have it coming!

  4. Aparicio says,

    Yes, for long time, I am payet , Geico insurance, like a mortgage three vehicles.
    402,89 every 4,880 dollars for years.its the time some discount .

  5. Ernest A Battice says,


  6. Laura Rodriguez says,

    Can I get a lower rate from you? I’ve been with you for years. No tickets good driving record plus in a Senior.

  7. Annie e. Thomas says,

    I love Geico but I may have to look around for some lower prices.
    There have to be some better rates for me my income has change I only have a fixed income and it take 1/2 of that to pay my insurance can you help me out with this.

  8. Josephine Testa says,

    I pay high insurance with Geico and they tell me it is because of my zip code. I feel it is not fair to me when I do a defensive driving course. What makes our insurance in Florida so high is because most drivers are not insured as they are poor. We have a high minority rate here where I live/ I use to work at the court house before retirement and most of the tickets were no insurance. The state of Florida needs to have more restricted laws as now they just show proof of insurance (paying these companies a minimal deposit), pay a reinstatement fee and get license reinstated(but never pay the insurance premiums again till the next time they are caught). What the state of Florida should do is impound their car and have prepaid insurance for a year. I checked and if I moved to NC I would pay $233 for 6 months instead of the $968 I now pay(for 6 months) so we are paying for everyone else who does not obey the law. THIS IS NOT FAIR TO US whole carry insurance. We need to do something about this as I cannot move to NC. I have already written to the governor of my state last year but never have gotten a response.

  9. ELAINE MCABEE says,


    • Jay Fonville says,

      Hi Elaine, you can call our customer service agents anytime at 1-800-841-3000 to ask about policy discounts you may now qualify for. Thanks!

  10. Dave Anderson says,

    I agree that looking for discounts is always a good way to save some money on things like insurance. Something that I have learned is if you make your plan so that you pay less on your deductible your coverage will be more expensive at the time of the accident, but if you have not been in any car accidents you will be able to avoid a lot of charges. It is risky to pay a lower deductible and it would only be beneficial if you know that you will not be getting in an accident anytime soon.

    • Sarah Peter says,

      There is no way to know that you wont be getting into an accident anytime soon! That is the most ridiculous thing I’ve ever read.