Does Geico Auto Insurance Roll Over?

GEICO auto insurance provides financial protection for you, your family, other passengers, and your vehicle. The coverage you have for your own car usually extends to rental vehicles, but it's important to check your policy for any gaps. GEICO offers a range of auto insurance options, including liability coverages, vehicle coverages, coverages for yourself, and other optional coverages. The company has a high customer satisfaction rating and provides a mobile app for easy access to policy information and claims management.

GEICO's car insurance discounts

GEICO offers a range of discounts and premium reductions on car insurance. Here are some of the ways you can save on your auto insurance policy:

Driving History and Habits

• Five-Year Accident-Free Good Driver Discount: If you have a clean driving record with no accidents for five years, you may be eligible for a discount of up to 22% on most coverages.
• Seat Belt Use Discount: GEICO encourages safe driving habits, and you can receive a discount on the medical payments or personal injury protection portion of your premium if you and your passengers always wear seat belts.
• Defensive Driving Discount: Completing a defensive driving course can help you save on your insurance and teach you safe driving techniques to prevent accidents.
• Driver's Education Discount: If a young driver in your family has completed a driver's education course, you may be eligible for a discount on most coverages.
• Good Student Discount: Full-time students with good academic records can receive up to a 15% discount on certain coverages.

Vehicle Equipment Discounts

• Air Bag Discount: If your vehicle is equipped with air bags, you can save up to 23% on the medical payments or personal injury portion of your car insurance.
• Anti-Lock Brakes Discount: A factory-installed anti-lock braking system can get you a 5% discount on certain car insurance coverages.
• Anti-Theft System Discount: Cars with built-in anti-theft systems can earn you a discount of up to 23% on the comprehensive portion of your premium.
• Daytime Running Lights Discount: Vehicles with daytime running lights as standard equipment can get you a 3% discount on certain coverages.
• New Vehicle Discount: New vehicles that are 3 model years old or newer can earn you up to a 15% discount on certain coverages.

Customer Loyalty Discounts

• Multi-Vehicle Discount: Insuring more than one car with GEICO can get you a discount of up to 25% on most car insurance coverages.
• Multi-Policy Discount: Combining your car insurance with a homeowners, renters, condo, or mobile home policy through the GEICO Insurance Agency can result in a discount on your car insurance.

Membership and Employee Discounts

GEICO also offers discounts and premium reductions for various memberships and affiliations, including alumni associations, fraternities, sororities, and professional organizations. Additionally, GEICO provides special discounts for federal employees, military personnel, and students.

Rental car coverage

GEICO's rental car coverage, or rental reimbursement coverage, helps pay for a rental car if your car is in the shop for repairs after a covered accident. When adding this optional coverage, you can select your limits for daily and per-accident coverage. For example, you could choose $50 per day and a maximum of $1,500 per accident.

GEICO's rental car coverage only covers the cost of the rental. It doesn't cover gas expenses, security deposits, or any additional insurance you buy from the rental car agency. It's also worth noting that you can only use rental reimbursement coverage if your car is in the shop as a result of a covered accident. If your car breaks down or is with the mechanic for routine maintenance, rental reimbursement coverage doesn't apply.

GEICO's rental car insurance is different from rental car reimbursement. While the latter covers the cost of renting a car, the former provides insurance for the rental car itself. If you have collision and comprehensive insurance on your GEICO policy, this will usually transfer to your rental car while your vehicle is being repaired.

Rental car reimbursement coverage is worth considering if you don't have another vehicle to use while yours is being repaired, or if you can't survive without a car for a few days or weeks. It's also useful if you drive a large car that you'd need to replace with a similar vehicle, or if you can't afford to pay for a rental car out of pocket.

To find out if rental cars are covered by your current GEICO auto insurance policy, call GEICO or check your policy documents.

Medical coverage

Medical Payments Coverage (Med Pay)

Medical payments coverage is optional in some states and required in others. It helps pay for medical bills resulting from injuries sustained in an auto accident, regardless of who is at fault. This coverage applies to the insured person, listed insureds, and possibly their passengers, who are injured while occupying an owned or non-owned vehicle with permission. It may also cover injuries sustained as a pedestrian struck by a vehicle. Medical payments coverage can help with various medical bills, including chiropractic services and funeral expenses. However, it does not include medical treatment unrelated to the accident, replacement services, or medical expenses for parties in other vehicles involved in the accident.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is available in \"no-fault\" states and helps pay for medical expenses caused by an auto accident, regardless of fault. PIP may be required or optional, depending on state law. It covers the insured person, resident relatives, and sometimes passengers. PIP not only covers medical treatment but also extends to other expenses like lost wages and payment for essential services such as childcare. In some states, PIP may also help cover health plan co-payments and expenses that exceed health plan allowances for injuries resulting from an automobile accident.

Choosing the Right Medical Coverage

When deciding on medical coverage, it is essential to consider factors such as whether you have health insurance, if your health insurance has a deductible, and your ability to pay unexpected medical expenses. GEICO recommends evaluating your existing medical coverage to determine the appropriate level of protection needed. Medical coverage limits should be chosen carefully, as any expenses beyond these limits become your responsibility.

Full glass coverage

The availability and cost of full glass coverage vary by state and insurance provider. In some states, full glass coverage can be included in a comprehensive auto policy at no extra charge. In other states, it may be offered as a separate add-on for a small additional fee. For example, in Connecticut, a full glass premium with a comprehensive insurance deductible of $1,000 would cost an extra $14.

It's important to note that full glass coverage is not automatically included in all auto insurance policies and may need to be added for each individual vehicle. When purchasing auto insurance, it's essential to review the coverage options carefully to ensure full glass coverage is included if desired.

To file a claim for glass repair or replacement, policyholders should contact their insurance agent to discuss the specific damage and confirm their coverage. In many cases, insurance companies work directly with glass repair shops to facilitate the repair process and handle payment.

GEICO's Accident Forgiveness

Accident Forgiveness is an auto insurance benefit that prevents insurance rates from increasing after a driver's first at-fault accident. Accident Forgiveness can be added to a GEICO policy or awarded to those with a good driving record. It is available in most states and can be earned or purchased.

GEICO Accident Forgiveness is applied per policy, not per driver. If you have multiple drivers on your policy, any eligible driver may use this benefit once. It is important to note that Accident Forgiveness only applies to the first accident, and subsequent occurrences do not qualify. Eligibility is determined by the specific policy type, as well as state laws and regulations.

Accident Forgiveness can provide greater peace of mind while driving, as it helps to retain good driver discounts and prevents premium increases.

To check if you have Accident Forgiveness on your GEICO policy, log in to your policy and select your auto policy. An Accident Forgiveness notification may be displayed as a reward. If you purchased Accident Forgiveness, you may need to select "My Policy Details" to see it listed as an upgrade.

It is worth noting that filing a claim after an accident does not necessarily affect your premiums. GEICO considers various factors when evaluating insurance rates, including the number of claims made and the payout amount.

Frequently asked questions