How do I get the Geico federal employee discount?

Yes, Geico offers mechanical breakdown insurance for cars that are less than 15 months old with less than 15,000 miles. Geico mechanical breakdown insurance (MBI) is a policy add-on that insures a vehicle against mechanical problems, such as transmission or engine failure, which are not covered by standard car insurance.

What Geico Mechanical Breakdown Insurance Covers

• Engine
• Drivetrain
• Cooling system
• Suspension
• Electrical system
• Steering

However, mechanical breakdown insurance will not pay for routine maintenance, wear and tear, or damage caused by an accident. Other exclusions to Geico mechanical breakdown coverage include tune-ups, wheel balancing, and suspension balancing, among others.

Geico Mechanical Breakdown Insurance Cost

The cost of Geico mechanical breakdown insurance varies depending on the car, but the average MBI policy costs around $100 a year. Customers will also need to pay a deductible of $250 before Geico MBI goes into effect.

Mechanical breakdown insurance from Geico is a good alternative to an extended warranty from the vehicle manufacturer, which might provide the same type of coverage but will usually cost around $1,500 total. For more information on whether Geico MBI is worth it, check out WalletHub’s complete guide to mechanical breakdown insurance.

If you already have a Geico policy, call customer service (800-207-7847) to ask about the additional affiliation discount of up to 8%. The discount is currently available to members of more than 800 partner organizations, and any organization with 50,000 or more active members is eligible for the program. Participating organizations include alumni associations, fraternities, sororities, colleges, universities, societies, charities, and large employers. To find out if your organization is among them, you can enter its name or browse through the categories on ... read full answerGeico’s website.

Popular Organizations with Geico Affiliation Discounts

• National Association of Federal Employees
• National Association of Government Contractors
• Texas A&M University
• National Peace Corps Association
• BJ’s Wholesale Club Members
• World Golf Tour

If you find an organization that you belong to in Geico's list, go to the organization’s website and sign in with your member credentials, if necessary. You can then go to the section on member benefits and find a link for a Geico insurance quote. Discounts vary by organization and state.

These affiliation partnerships help Geico market its products and expand its customer base. In return, organization members receive discounts on Geico insurance policies. The organizations also receive a fee from Geico for every member who requests a Geico quote, even if they don’t buy a policy.

Geico does not have a marriage discount. Geico does, however, tend to offer lower rates to married couples over single people. Married couples also tend to qualify for more discounts, like Geico’s multi-car and multi-policy discounts.

Married couples tend to be more careful and consistent, which translates to fewer accidents and less risk for the insurance company. Getting married should not cause your rates to go up, as a result, but there are exceptions. If your new spouse has a poor driving record or is considered a higher risk to insure for another ... read full answerreason, you could pay much more.

As you age, the amount you save just for being a married couple will decrease. After middle age, you may find the savings go away altogether because you both have a higher risk of getting into an accident as seniors.

This is how Geico quotes were affected by a single driver in a 2017 Honda Accord getting married to a partner of the same age.

Do I have to add my spouse to my car insurance with Geico?

You will have to add your spouse to your car insurance policy in almost all cases. Insurance companies are usually required by law to make policy information available to spouses. Your partner could be held financially responsible for an accident you caused, because you have shared ownership in each other’s assets. It’s also assumed that married couples will inevitably end up sharing vehicles, and most insurers require all licensed members of the household be listed on your policy. Even if you could avoid adding your spouse to your car insurance, it’s very unlikely you would save money by keeping separate policies.

You should notify Geico that you have gotten married and merge policies with your partner as soon as possible, especially if you’re young and moving of your parents’ home permanently. Most insurance companies consider marriage an official break from your parent’s policy, since it’s assumed you won’t be living at the same address anymore and will register your own vehicles. You don’t want to risk a lapse in coverage because your insurer dropped you from a parent’s policy before you could get coverage with your spouse.