How Much Does Defensive Driving Lower Insurance on Geico

Defensive driving is a technique that helps drivers anticipate and avoid potential hazards on the road. It involves following traffic laws, maintaining a safe distance from other vehicles, and being aware of one’s surroundings. Not only does defensive driving reduce the risk of accidents, but it can also have a positive impact on insurance premiums. In this article, we will explore how much defensive driving can lower insurance rates on Geico, one of the largest auto insurance providers in the United States.

The Benefits of Defensive Driving

Before delving into the specifics of how much insurance rates can be lowered, it is important to understand the benefits of defensive driving. By practicing defensive driving techniques, drivers can:

• Reduce the likelihood of accidents: Defensive driving helps drivers anticipate and react to potential dangers, reducing the risk of collisions.
• Improve their driving skills: Defensive driving courses provide valuable knowledge and skills that can enhance a driver’s overall competence on the road.
• Save money on insurance premiums: Insurance companies often offer discounts to drivers who have completed defensive driving courses.

Geico’s Defensive Driving Discount

Geico, like many other insurance providers, offers a defensive driving discount to policyholders who complete an approved defensive driving course. This discount can vary depending on several factors, including the state in which the policyholder resides and the specific course completed.

On average, Geico policyholders can expect a discount of around 5% to 10% on their insurance premiums after completing a defensive driving course. However, it is important to note that this discount may not be available in all states or for all policyholders. It is always best to check with Geico directly to determine the specific discount that may apply in your situation.

Case Study: Defensive Driving Discount on Geico

To illustrate the potential savings from a defensive driving discount on Geico, let’s consider a hypothetical case study. John, a 35-year-old driver from New York, recently completed a defensive driving course. Prior to completing the course, John’s annual insurance premium with Geico was $1,200.

After completing the defensive driving course, John contacted Geico to inquire about the potential discount. Geico informed him that he would be eligible for a 10% discount on his premium, resulting in a savings of $120 per year. Over the course of five years, John would save a total of $600 on his insurance premiums.

Frequently Asked Questions

1. How long does a defensive driving discount last on Geico?

The duration of a defensive driving discount on Geico can vary depending on the state and the specific course completed. In some cases, the discount may last for up to three years, while in others, it may be valid for a shorter period. It is best to check with Geico to determine the duration of the discount in your state.

2. Can I take a defensive driving course online?

Yes, Geico accepts approved online defensive driving courses for their discount. However, it is important to ensure that the course is approved by Geico and meets the requirements of your state.

3. How much does a defensive driving course cost?

The cost of a defensive driving course can vary depending on the provider and the state. On average, the cost ranges from $20 to $100. However, the potential savings on insurance premiums can outweigh the cost of the course in the long run.

4. Can I take a defensive driving course if I have a traffic violation on my record?

Yes, in many cases, drivers with traffic violations on their record can still take a defensive driving course. In fact, completing a course may help reduce the impact of the violation on insurance premiums.

5. Can I take a defensive driving course if I have already received a discount for being a safe driver?

Yes, even if you have already received a safe driver discount, you may still be eligible for a defensive driving discount. However, it is important to check with Geico to determine the specific eligibility criteria.

6. Can I take a defensive driving course if I have a different insurance provider?

Yes, defensive driving courses are generally available to all drivers, regardless of their insurance provider. However, the availability and potential discounts may vary depending on the insurance company. It is best to check with your insurance provider to determine if they offer a defensive driving discount.

Summary

Defensive driving can have a significant impact on insurance premiums, including those offered by Geico. By completing an approved defensive driving course, drivers can potentially save 5% to 10% on their insurance premiums. The actual discount may vary depending on factors such as the state and the specific course completed. It is important to check with Geico directly to determine the discount that may apply in your situation. Defensive driving not only reduces the risk of accidents but also improves driving skills, making it a valuable investment for any driver.