Is GEICO’s DriveEasy Program Worth It?
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GEICO’s DriveEasy program uses a smartphone app to track your driving and gives you discounts to reward you when you drive safely. GEICO is just one of many insurance companies who are offering app-based discount programs. If you have GEICO, you may be wondering whether or not DriveEasy is worth it. Here’s what you need to know about the program.
How does DriveEasy work?
The DriveEasy app uses modern tracking technology to monitor a number of different driving patterns. It keeps track of your driving trips and identifies risky driving behaviors so you can fix them. There are several different aspects of your driving that DriveEasy will monitor. These include:
- Distracted driving. Driving while using your phone is incredibly dangerous, and DriveEasy will penalize you more for distracted driving than any other risky behavior. It identifies when you’re making calls or using your phone while you’re on the road, although it does not penalize you for hands-free calls.
- Hard braking. This is another driving behavior that can be very dangerous and lead to accidents. The app uses the sensor in your phone to determine how quickly your car is decelerating. If you decelerate too quickly, this will count as hard braking.
- Time spent driving. The more you drive, the more you put yourself at risk for an accident. There are also certain times of the day that are more risky to drive than others. DriveEasy will keep track of when and how often you drive, and you may receive a slight score deduction for driving at risky times or simply driving too often.
After every trip, the DriveEasy app will calculate your score. The higher your driving score, the better discounts you could potentially earn. If you have multiple drivers on your policy, the app will calculate a separate score for each driver. The discount you will receive will depend on your driving habits as well as your existing driving record with GEICO, but you could receive up to 20 percent off your monthly auto insurance bill.
What are the advantages and disadvantages of DriveEasy?
There are many advantages to using DriveEasy. The biggest and most obvious advantage is that it can help you save a significant amount of money on your insurance. If you’re a very safe driver and can earn the maximum discount, this could add up to several hundred dollars per year off your bill. In many cases, DriveEasy offers bigger discounts than comparable programs by other insurance companies, although this can vary widely between drivers. DriveEasy can also help you be more conscious of your driving habits and make improvements so you can drive safer.
There are also a few potential disadvantages to be aware of before signing up for DriveEasy. However, these disadvantages are relatively minor when compared to the advantages that the app offers. Although DriveEasy can’t raise your rates, it does collect data about your driving, and if you drive poorly, your insurance company will have that information. You’ll want to make sure you’re comfortable with the data that DriveEasy
There are many other insurance companies that offer apps that are similar to GEICO’s DriveEasy. For example, Allstate offers Drivewise, Esurance offers DriveSense, Progressive offers Snapshot, and State Farm offers Drive Safe and Save – just to name a few. These all use mobile apps that work very similarly to DriveEasy. Some other insurance companies, like State Farm, offer driver tracking programs that use a separate device that plugs into your car. No matter what insurance company you use, it’s worth checking to see if they offer a driving discount app.
GEICO is one of the largest car insurance companies in the United States. They offer policies throughout the United States with a number of different coverage options and discounts. In addition to the expected car insurance options, you can add other types of coverage like rideshare coverage, emergency roadside assistance, and more. They have a very user-friendly website and mobile app that makes it easy to file a claim online. They even have a voice assistant that works on Amazon Alexa products, making them a great choice for tech-savvy customers. GEICO also has an extremely strong financial rating and gets strong customer service reviews as well.
Is it worth it?
If you already have GEICO, it’s absolutely worth it to start the DriveEasy program on your phone. It can save you a huge amount of money over time, plus it makes it very easy for you to learn and practice better driving habits. If you don’t already have GEICO, you’ll want to get a quote for a policy to see if it’s worth it to make the switch. If you’re a safe driver, DriveEasy can help you save a significant amount of money when you switch insurance policies.