Geico Drive Easy review
**Geico Drive Easy: An Independent Review by Blake Insurance Group**
As an independent insurance agent at Blake Insurance Group, I’ve analyzed and compared numerous insurance products and services. One that has caught my attention recently is the Geico Drive Easy program.
Here’s my take: Geico Drive Easy is a telematics program that monitors driving habits to offer discounts to safe drivers. The program uses a mobile app to track behaviors like speeding, hard braking, and phone usage while driving.
The Geico Drive Easy program offers discounts to safe drivers based on their driving habits. When you enroll in the program, you can receive an initial discount of 15% on your premium. As you continue demonstrating safe driving habits, you may be eligible for additional savings of up to 25%.
The program uses the Geico Mobile app to monitor driving behaviors such as speeding, hard braking, and phone usage while driving. The app automatically records trip data as you drive as long as you remain logged in. It’s important to note that while most customers can save based on their safe driving habits, riskier drivers may see a higher rate depending on their state.
To enroll in the Geico Drive Easy program, you must be a Geico policyholder in an eligible state. You can start by downloading the Geico Mobile app on your smartphone and following the steps to enroll in the program. Once enrolled, you don’t need to open the app every time you drive, as it remains dormant until driving-like behavior is detected.
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Understanding DriveEasy
GEICO’s DriveEasy is a safe-driving program that utilizes the sensors in your smartphone to monitor driving behaviors such as braking, cornering, and phone usage. This data calculates a driving score, which can impact your insurance rate. The program rewards safe driving habits with potential savings on auto insurance premiums, with most customers being able to save based on their safe driving habits.
Riskier drivers may see a higher rate, depending on their state. DriveEasy’s data and battery usage are generally low, and the program provides an innovative and effortless approach to managing business vehicles, reviewing trip routes, and monitoring driver safety for businesses through the DriveEasy Pro app.
The DriveEasy Pro program is designed to reward safe driving and promote fleet safety for small business owners, offering free fleet management tools and potential savings on insurance premiums based on driver scores. The program has the potential to provide up to a 25% discount on auto insurance premiums.
Independent Agent's Perspective:
Pros:
| Pros | Description |
|---|---|
| Transparency | The Geico Drive Easy app provides real-time feedback on your driving habits, allowing you to see and improve your driving behaviors. This can help you become a safer driver and earn discounts on your insurance premiums. |
| Potential Savings | Safe drivers can benefit from significant discounts on their insurance premiums through the Geico Drive Easy program. When you enroll, you can receive an initial discount of 15% on your premium. As you continue demonstrating safe driving habits, you may be eligible for additional savings of up to 25%. |
| User-Friendly | The Geico Drive Easy app is intuitive and easy to navigate, making it simple for users to monitor their driving habits and work towards improving their driving behaviors. |
Cons:
| Cons | Description |
|---|---|
| Privacy Concerns | Some clients have expressed concerns about continuous monitoring and data privacy. Geico is committed to protecting the privacy of its customers and only gathers data related to driving behavior. The information collected by the Drive Easy program is encrypted and stored on secure servers in the US. However, some users may still feel uncomfortable with the level of monitoring involved in the program. |
| Not for Everyone | Risky drivers might pay more if their habits don't improve. While the program is designed to help drivers improve their habits by providing feedback on their driving behaviors, repeated risky driving behaviors could increase a Geico car insurance rate when participating in the Drive Easy program in some states. If drivers exhibit poor or unsafe driving habits, their rates could increase, depending on the state. |
Savings and Discounts
GEICO’s DriveEasy program is a telematics-based initiative that rewards safe driving habits with potential savings on auto insurance premiums. The program uses the sensors in your smartphone to monitor driving behaviors such as braking, cornering, and phone usage. This data is then used to calculate a driving score, which can impact your insurance rate.
Most customers can save with personalized discounts based on their safe driving. The better your driving habits, the higher your driving score will be, leading to more significant savings. The driving score first applies to your rate 45 days after the start of your policy. Then, your rate will be updated at each policy renewal based on your most recent driving score.
The potential savings with DriveEasy can be significant. Good driving habits can be rewarded with a discount of up to 10%. However, some sources suggest that the program has the potential to provide up to a 25% discount on auto insurance premiums. It’s important to note that these discounts may vary by state and individual driving habits.
While the program is designed to reward safe driving, it’s worth noting that riskier drivers may see a higher rate, depending on the state they live in. Therefore, policyholders must understand how their driving behaviors can impact their driving score and, consequently, their insurance premiums.
Integration and Compatibility
GEICO’s DriveEasy program is integrated with the GEICO Mobile app, which uses the sensors in your smartphone to monitor driving behaviors. This integration allows for automatic logging of driving data such as braking intensity, cornering, distance driving, and phone usage while driving. The app is designed to work seamlessly in the background, recording data only when the vehicle is in motion and after the first quarter mile of a trip.
Smartphone Compatibility
To participate in DriveEasy, users need an iPhone or Android phone with a data plan compatible with the GEICO Mobile app. The app requires iOS 12.0 or later for iPhones and a compatible version for Android devices. Prepaid phones that can receive short-code text messages are also eligible, provided they meet the operating system requirements.
Data Usage
A typical driver will use approximately 60 to 70 MB of monthly data for DriveEasy. To minimize mobile data usage and improve location accuracy, it is recommended to leave Wi-Fi on. The app is optimized to save data usage and battery life by remaining inactive when not driving.
App Functionality
Once the DriveEasy setup is complete, users do not need to open the GEICO Mobile app each time they drive. The app will automatically record driving data as long as the user remains logged in. The DriveEasy Pro version, aimed at commercial auto insurance, works similarly but also involves a small GEICO DriveEasy Pro tag that is shipped to users and attached to the vehicle’s windshield.
GEICO's DriveEasy Pro Program-Commercial Auto Insurance
GEICO’s DriveEasy Pro is a performance-based commercial auto insurance program designed for small businesses. It rewards safe driving and promotes fleet safety by providing fleet management tools and insights into driving habits.
How it Works
To participate in the DriveEasy Pro program, you must download the GEICO DriveEasy Pro app and sign up using your phone number. After enrollment, GEICO will ship a DriveEasy Pro tag that you attach to your vehicle’s windshield. The app identifies the driver, and the tag identifies the business vehicle—the app and tag monitor driver performance based on factors such as braking, speeding, and cornering.
The DriveEasy Pro app provides personalized driver scores based on driving performance. These scores can be used to coach drivers and improve their driving habits. The app also allows you to review trips on an interactive map, showing details like hard braking, acceleration, phone handling, distance driven, and time of day.
Benefits
The primary benefit of the DriveEasy Pro program is the potential for savings on your insurance premium. The better you and your employees drive, the better your driver scores will be, leading to potential savings at renewal. While the exact discount varies, safe driving habits could lead to significant savings on your insurance bill.
In addition to potential savings, the DriveEasy Pro program offers free fleet management tools. These tools can help you track your business vehicles, monitor and coach your drivers, provide insights into trip routes, and offer real-time vehicle locations. These features can help you run your business more efficiently and safely.
Promoting Fleet Safety
By providing insights into driving habits and performance, the DriveEasy Pro program promotes fleet safety. The app provides feedback and tips on improving driving habits, which can lead to safer driving behaviors. This reduces the risk of accidents and can lead to lower insurance premiums.
Comparison with Other Programs
GEICO’s DriveEasy is a telematics-based program that uses the sensors in your phone to log your driving behaviors, such as how hard you brake, how far you drive, and how often you use your phone. It then calculates a safe driving score, which is factored into your insurance rate. The safer you drive, the better your score, and the more you can save on your insurance premium.
Other insurance companies also offer telematics programs, such as Progressive’s Snapshot and State Farm’s Drive Safe and Save. These programs are designed to monitor your driving habits and reward you for safe practices. However, each program has unique features and may have slightly different policies.
One of the unique features of GEICO’s DriveEasy is that it might help you become a better driver by providing feedback and tips on improving your driving habits. According to third-party reports, it also offers an initial discount of 15%, with future discounts of up to 25%. However, it’s important to note that poor driving could potentially lead to increased premiums.
In terms of customer reviews, GEICO’s DriveEasy has received mixed feedback. Some users have praised the program for its potential savings and ability to improve driving habits, while others have raised concerns about the accuracy of the driving data and the potential for increased premiums.