Does GEICO offer a mature driver discount?

Yes, Geico does offer free towing for customers who have the company’s roadside assistance coverage. Geico roadside assistance generally costs $14 per vehicle per year and includes towing services to the nearest repair facility. Geico customers can request roadside assistance online, or they can call 1 (800) 424-3426.

What Geico Roadside Assistance Covers… read full answer

• Towing services to the nearest repair facility
• Battery jump starts
• Tire changes
• Up to one hour of lockout services
• Winching
• Fuel delivery

While Geico’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Yes, Geico offers rideshare insurance. Geico rideshare insurance covers you whether the rideshare app is on or off as part of a hybrid policy that covers both rideshare driving and non-business driving, replacing your personal car insurance policy. A Geico rideshare policy typically costs only slightly more than a personal-use policy, and it provides more coverage and a lower deductible than the insurance offered by Uber and Lyft.… read full answer

Geico Rideshare Insurance Coverage

• Deductible gap coverage, so you can choose your own Geico deductible rather than paying Lyft’s or Uber’s
• Coverage for damage to your car, medical expenses, liability, and more while the app is on but before you accept a ride request
• Comprehensive, collision, liability, and more (depending on the coverage you purchase with your policy) once you have accepted a ride request

Rideshare insurance varies by state, so check with Geico to see if their rideshare coverage is available in your location. It’s also worth noting that Geico rideshare insurance excludes large buses, vans, and limousines.

Key Things to Know About Rideshare Insurance

In general, rideshare policies are important because the coverage provided by Lyft and Uber varies depending on where the driver is in the process of a ride. When a driver is online and waiting for a ride request, Uber and Lyft provide liability-only insurance.

Once the driver has accepted a ride request, Uber and Lyft provide up to $1 million in liability insurance, plus any other type of coverage required in the state. Both companies also provide collision and comprehensive insurance during this period, but only for drivers who have these types of coverage on their personal policy. However, Uber’s deductible is $1,000 and Lyft’s is $2,500. These are significantly more expensive than the average car insurance deductible of $500.

For more information, check out WalletHub’s complete guide to rideshare insurance.

Completing a Geico defensive driving course qualifies drivers for a discount of up to 5% or 10% on their Geico car insurance premium. Geico-approved online defensive driving courses cost $14.95 to $24.95, depending on the provider and your state of residence.

Why a Geico Defensive Driving Course Is a Good Idea… read full answer

In general, Geico defensive driving courses improve students’ driving skills by teaching them how to react effectively in hazardous situations. Main topics include how to drive in bad weather and on wet or icy roads, how to correct course if you lose control, how to veer off the roadway safely, and how to react if something crosses into your lane suddenly. Courses also cover the dangers of road rage, speeding, aggressive driving and driving under the influence.

Geico’s defensive-driving course discount is available in most (but not all) states, and rules and qualifications vary. Geico has a convenient directory to help you learn more about the defensive driving requirements in your state.

Geico Defensive Driving Discounts in Major States

• California – up to 5%
• Texas – up to 10%
• Florida – up to 10%
• New York – up to 10%
• Illinois – up to 10%
• Pennsylvania – up to 10%
• Georgia – up to 10%
• New Jersey – up to 5%

If you already have a course in mind, check with Geico to see if that course will qualify you for the discount. You can also find an approved Geico defensive driving course, and learn how to sign up, through the National Safety Council or the American Safety Council. Many states offer the option of taking the course online rather than in a classroom.