Question: Will Geico provide me safe driver discount if I complete the AARP driver safety program? I previously attended the course given by the AAA. And, if Geico does acknowledge and accept AARP's course, will the level of discount be the same as that of AAA?
Answer: You can only get one discount at a time for taking a driver improvement course or defense driving class with Geico or other car insurance companies.
If the discount period for taking an AAA driver improvement course that you previously took is over and you want to retain that discount then you will need to check with your Geico agent to see if the AARP driver safety program is accepted by them for a discount in your state. The driver improvement courses accepted by Geico for a discount vary by state.
In general, Geico offers a 5% to 15% discount to policyholders who successfully complete a driver improvement or defensive driver class and meet certain other requirements. In most states you must be 50 or 55 years of age before the discount can be applied for taking a driver safety class.
AAA and AARP courses are accepted by Geico in some states for a discount. They are listed differently on the Geico application as there are different qualifications to comply with for the discounts. If you still live in the same state then likely the discount given taking either the AAA or AARP driving course will be the same. However, you should discuss this topic with your Geico agent to be certain. The discount levels are specific rating factors for Geico which we are not privy to.
Geico will apply a safe driver discount to your car insurance policy in many states if you meet all criteria required and successfully complete a driver improvement course. Here are a few examples from various states of what type of classes they accept and the discount you can get. For a full list of all states you should contact Geico directly.
If you live in California, Geico says you could save up to 5% on applicable coverages by taking a defensive driving course. In CA to be eligible for this discount you must have voluntarily completed a defensive driving course meeting the standards established by the National Safety Council (NSC).
If your auto insurance policy is in the state of Florida, you could save up to 10% on applicable coverages by voluntarily completing a defensive driving course which meets the standards established by the Florida Department of Highway Safety and Motor Vehicles. Online defensive driving course offered by both the National Safety Council and the American Safety Council (United Safety Council) will work in FL.
In Texas you can save up to 10% if you have voluntarily completed a Defensive Driver Course, Professional Driver Course, or Instructor's Course approved by the Texas Education Agency (TEA), including the State Board of Education or the Commissioner of Education, the National Safety Council and/or the American Safety Council.
In Pennsylvania to get up to a 10% discount you have to voluntarily complete a defensive driving course meeting the standards established by the PA Department of Transportation.
As you see the type of defensive driving course you can take for a discount with Geico varies from state to state and that is why it is important you speak with your Geico agent about the requirements in your state for this type of discount. If both AAA and AARP are accepted then your agent should be able to tell you if the level of the discount will be the same with either class.
Many auto insurance companies also offer good driver discount which you might qualify for.