Paying for car insurance can be confusing, especially if you’re not familiar with how auto bill pay works GEICO offers bill pay for auto policies, allowing customers to set up automatic payments from a bank account This convenient feature takes the hassle out of remembering to pay your bill every month. However, bill pay comes with its own set of questions. In this comprehensive guide, we’ll walk through the most frequently asked questions about GEICO auto bill pay to help you understand this payment option.
What is Auto Bill Pay?
GEICO’s auto bill pay allows you to set up recurring automatic payments for your car insurance premiums directly from your bank account. This means GEICO will withdraw your insurance payment on the due date each month, so you don’t have to manually make payments. It’s an easy “set it and forget it” approach.
With auto bill pay you’ll avoid late fees lapses in coverage from missed payments, and the time spent going through the payment process every month. GEICO will notify you in advance of upcoming withdrawals from your account.
How Do I Sign Up for Auto Bill Pay?
Enrolling in GEICO auto bill pay is simple. You can sign up when you buy a new policy or add it to one you already have.
To enroll, first login to your GEICO account online or through the mobile app. Under ‘Billing & Payments,’ select the ‘Enroll in Auto Pay’ option. You’ll need to provide some basic information:
- The bank account you want payments withdrawn from
- The payment amount
- The date you want payments processed each month
Double check all details before submitting. You’ll receive an enrollment confirmation from GEICO. Payments will now be automatically deducted going forward.
What Payment Methods Can I Use?
GEICO offers three payment methods for auto bill pay:
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Bank account – Payments are electronically withdrawn from your checking or savings account. This is the most popular option.
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Debit card – Payments are processed through your debit card number each month. Keep in mind debit transactions may count against daily purchase limits.
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Credit card – You can provide a Visa, Mastercard, American Express or Discover card number for payments.
Using a bank account is preferred to avoid daily debit/credit limits or fees from your financial institution. Provide your account and routing number to enroll.
When Will Payments Be Deducted from My Account?
The payment date depends on your GEICO bill cycle and preferences. Here are the options:
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Due date – GEICO will withdraw the payment on your monthly bill’s due date. This ensures your payment is always on time.
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Custom date – Pick any day of the month for your payments, such as the 1st or 15th. Just allow 5-7 business days to initially set up payments.
Payments occur on the same date each month. GEICO will notify you if a date falls on a weekend/holiday and needs adjusted. Log in anytime to view upcoming scheduled payments.
Can I Change the Auto Bill Pay Settings?
Yes, you can edit auto bill pay preferences anytime by logging into your GEICO account. You can:
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Change payment amount – Adjust if your 6-month premium changes at renewal.
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Change payment date – Pick a different deduction date that works better.
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Update payment method – Switch the account or card on file.
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Cancel auto bill pay – Return to manual payments.
GEICO processes changes to auto bill pay accounts quickly. Let us know at least 3 business days before your next scheduled payment date to have adjustments effective in time.
What If I Need to Make a One-Time Payment?
For one-off payments in addition to your auto bill pay, you have a few options:
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Pay online through your GEICO account with a card or electronic check.
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Use the GEICO mobile app to make a one-time payment.
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Call GEICO directly at 1-800-841-3000 to process a payment over the phone.
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Mail a physical check payable to GEICO.
These payment channels are useful if you need to pay any account balance not covered by your monthly auto deduction. One-time payments will not interfere with your next scheduled auto payment.
Can I Postpone an Auto Payment?
GEICO allows you to push back your scheduled monthly auto payment by up to 10 days in some cases. This gives flexibility if needed.
To postpone a payment, login to your account. Under upcoming payments, select ‘Pay Bill Later’ by the date you want to move. Not all future payments can be postponed, so check eligibility first. A confirmation message will appear once changed.
This feature is intended for occasional use when your situation warrants it. Auto bill pay ensures you never miss a payment, so only push back deductions if necessary.
Does Auto Bill Pay Affect My Installment Fees?
For customers who pay GEICO premiums in 6-month installments, auto bill pay can potentially save on installment fees.
Here’s how it works:
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When paying manually, installment fees are $4 per payment. So 6 payments of $50 plus $4 installment fees totals $304 every 6 months.
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With auto bill pay from a bank account, installment fees are waived. So 6 $50 payments would only total $300.
Using auto bill pay from your bank account saves $4 every 6 months in fees. Paying installment fees upfront leads to even more savings. Auto bill pay makes managing installments easier.
What If a Payment Bounces or Overdrafts My Account?
If your account lacks sufficient funds when GEICO attempts an automated withdrawal, the payment will fail and be considered missed or late.
GEICO will notify you by phone and mail if we experience an issue processing your payment due to insufficient funds. You’ll need to resolve the unpaid balance to keep your policy active and avoid cancelation.
A failed auto pay can result in overdraft fees from your bank as well. Check your account balance and availability of funds before scheduled payment dates to avoid insufficient funds situations.
How Do I Cancel GEICO Auto Bill Pay?
You can cancel auto bill pay for your GEICO policy in just a few quick steps:
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Login to your GEICO account.
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Under auto pay settings, select ‘Cancel Auto Pay Enrollment’
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Follow prompts to confirm cancellation.
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You will receive immediate email confirmation.
Keep in mind, canceling auto bill pay means you must resume actively making manual monthly payments. Set payment reminders to avoid lapses in insurance coverage.
For any other bill pay questions, GEICO’s customer service team is available 24/7 by phone, through the mobile app, online, or via live chat. Our US-based agents can walk through auto bill pay details to help explain this convenient payment program. Don’t hesitate to reach out!
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Frequently Asked Questions for Auto Insurance
- Does GEICO cover me when Im using a rental car?
Your GEICO Car Insurance may provide coverage for you while youre using a rental car. To find out, call GEICO to see if rental cars are covered by your current auto insurance policy. You can also check with your credit card company to see if they provide coverage when you use that card to pay for the rental.
- Can I get insurance for a rental car if I dont own a car?
For affordable car rental insurance ask your GEICO representative about a non-owner liability policy. You may also have some coverage if you have a homeowners, renters, or umbrella policy.
- Did you know you may have car insurance coverage you didnt know you had?
Dont pay more for coverage you may already have on your GEICO Car Insurance! Check out this list of car insurance coverage options you might not even know you have.
- Roadside assistance. Check your car insurance coverage or ask about roadside assistance when updating your coverage. From towing coverage to lock-smith accessibility, emergency roadside assistance coverage is a quick phone call away.
- Rental car coverage. Many car insurance companies provide rental car coverage that is much more affordable than the options at the rental counter. Dont assume you have coverage-instead, call your GEICO representative to find out what is covered or how you may be able to add it to your policy before traveling.
- Medical. You may have additional medical coverage available through your car insurance policy.
- Belongings. If your car is broken into, check your car insurance or homeowners coverage. Depending on the items stolen and their value, you might be covered.
- Full glass coverage. Road debris and other objects can result in a costly broken windshield. This is optional on some coverage but for the small additional amount it might be a good investment. Ask your GEICO representative if its included in your policy or how to add it.
- What is a car insurance deductible?
A car insurance coverage deductible is the amount of money you agree to pay if making a claim under coverages such as comprehensive, collision, uninsured motorist property damage, and personal injury protection.
- What are common myths about auto insurance?
Myth #1: Red cars are the most expensive to insure.Fact: A red car wont cost you more than a green, yellow, black, or blue car. Insurers are interested in the year, make, model, body type, engine size, and age of your vehicle.
Myth #2: My insurance will cover me if my car is stolen, vandalized, or damaged by hail or fire.Fact: Unless you have comprehensive coverage, youre not covered for any of these things. Comprehensive coverage pays for damage to your car that is not the result of a car accident.
Myth #3: If my car is totaled, my insurance will pay off what I owe on my loan or lease. Fact: It will only pay you the actual cash value of your car, minus your deductible, factoring in depreciation. Youre still responsible for any outstanding amount on the loan or car lease.
Myth #4: If someone else drives my car and gets into an accident, their auto insurance will cover them, not mine. Fact: In most states, the car owners insurance must pay for damages caused by an accident. Get familiar with the laws in your state before allowing another person to drive your car.
Myth #5: My credit doesnt affect my insurance rate. Fact: In many states, insurers generate a numerical ranking based in part on your credit behavior, known as the “insurance score”. Studies have shown that how you manage your finances can help predict the likelihood that youll be involved in an accident. To learn more about how your credit affects your rate read our credit use FAQs page.
- How is my auto insurance rate determined?
Here are just some common things that help determine your auto insurance rates.
- Driving record. Safe drivers are generally rewarded with lower auto insurance rates or safe driver discounts.
- Mileage. How much you drive each year can increase your auto insurance rates because it places you more at risk of being involved in an accident. People who drive fewer miles than average may be eligible for lower rates on their auto insurance.
- Location. Where you live can affect your rates. Some places are more inclined to collisions or theft and also have higher costs for car repairs, lawsuits, and medical care. Always check with your GEICO representative when relocating to see if it will affect your auto insurance rates.
- Vehicle. The car you drive also affects your rates. Things like cost of replacement parts and repair, likelihood of theft, and safety ratings can all affect your auto insurance cost.
- Should I finance my car or pay cash?
If you can afford it, buying a car with cash is normally the cheapest option. Now, if you cant afford to pay cash you can still finance your new car. When you finance a car, youll have to meet certain obligations from the lender, like down payments, interest rates, and meeting monthly payments. Financing also means paying a lender monthly payment plus interest on the loan, meaning youll end up paying more than if you paid cash. Your lender will also probably require comprehensive and collision coverages as part of the loan agreement.
- Should I lease a vehicle?
Leasing involves paying to use the vehicle for a period of time. The leasing company or financial institution actually owns the vehicle, not you. Youll still need to meet the same obligations as you would if you buy your car through a lender. Once you complete your lease payments, youll have the option to return the vehicle to the lender or buy the car from the lender. Also, most lease agreements cap the mileage you can put on the vehicle.
Are you asking yourself, “Well, if I have to buy the car from the lender after making those payments to lease it, why dont I just buy a used car to start with?” Thats a very good point. The difference is that after leasing it, you know the cars history, how its been maintained and whether or not its a good fit for you. When buying a used car, youre relying on your mechanic (who youll have to pay for the service unless you have a friend or family member whos a mechanic) to spot any problems with the car.
- What should I know before buying a used car?
- What are the prices for similar makes/models? Research other used cars with similar features. You might save more and get more features with another model.
- Whats the history of the car? Ask the seller about previous or near future maintenance issues beyond oil changes, etc. Also, ask if the car has been in a previous accident or flood. The National Insurance Crime Bureaus (NICB) VINCheck and CARFAX have an online database where you can search and review previously damaged vehicles. Cars can be buffed up to look great while hiding previous body damage, water damage, or other little surprises.
- Wheres the title? A vehicles title is a legal document, usually issued by a state Department of Motor Vehicles, which establishes who is the legal owner of a vehicle. Your state Motor Vehicle Department can help you determine the cars title history and any notations such as “salvage” (meaning that the vehicle was so badly damaged in an accident that the cost of repairs at the time was more than the vehicle was worth) or “rebuilt” (meaning that someone bought a salvaged vehicle and repaired it to the point where it could again be titled and used or sold). If you see the words salvage or rebuilt, its best to run in the opposite direction.
- What are the safety features? Many insurers offer discounts for features that reduce the risk of injuries or theft. Check out the Insurance Institute for Highway Safety (IIHS) top safety picks.
- Is there a warranty? Some used cars may be under the factory warranty. You can contact the manufacturer to make sure you can use the coverage. Be sure to have the cars VIN available when you call.
- Whats the mileage? The cars value is often determined by the number of miles on the odometer. If youre looking to buy a high-mileage car, have a mechanic inspect the vehicle carefully for any parts that may have become damaged over the lifetime of the car.
- Should I get collision coverage when I buy an older car?
If you end up buying an older car, you may not want to get collision coverage since you might pay more for the premium than the car is worth. Its a balancing act, though; if the car is totaled and you dont have collision coverage, youd have to replace it yourself.
- What is GEICOs Car Buying Service?
If you need help with your research, GEICO offers a Car Buying Service that will help you with information, tools, and a low upfront price. The Car Buying Service can help you learn about other resources you can use to buy a car the easy way.
- Which booster seat is best for me?
The purpose of a booster seat is to provide a proper fit for a child with a seatbelt designed for an adult. By boosting the child, the safety restraint can better protect them in the event of a crash. Proper fit includes a lap belt that fits flat across the childs upper thighs and a shoulder belt that sits in the middle of the shoulder firmly.
There are 2 kinds of booster seats: high back and backless. High back boosters can sometimes be converted into backless boosters and are especially recommended in vehicles that do not have head restraints in the back seat. Backless boosters are often more affordable and popular with older children. They may require a plastic clip to properly position the shoulder belt.
For additional information on car seat safety you can visit the Childrens Hospital of Philadelphia.
- How do I update my address when I move?
Updating your address is easy, just download the GEICO Mobile app and you can easily update your address there. You can also update your address by logging into your account on geico.com. Your premium may change based on your new location, but we keep everything else on your policy consistent. If you arent already insured with GEICO get an online quote now.
Remember to contact your DMV to let them know you moved so you can get an updated license and vehicle registration. Then notify your bank, USPS, and anyone who sends you mail.
- What should I do for my car insurance when I move to a new state?
You can easily update your address on the GEICO Mobile app or on geico.com. Please note, each state has its own laws and regulations about coverages and available discounts that can affect your premium. Check out our state information page to learn more about your new home.
You can also check your state DMV website to make sure you complete all needed steps by your new state to help avoid any fees or penalties.
- Will moving change my premium?
Moving may change your premium. We base rates on your location, state laws, coverages, and various other factors. States may require different insurance coverage types and amounts.
- What if Im moving, but only for a little while?
If you move for less than 6 months, we consider it temporary, so you dont need to tell us. If you are moving for 6 months or more, we do need to update your policy.
- Will my discounts or accident forgiveness carry over?
It depends. Discounts, premium reductions, and benefits are subject to state laws, so they are sometimes not available in your new location. On the other hand, you may be eligible for different discounts. Check out our auto insurance discounts.
- Will I owe additional premium on my current policy period if I move?
Your new bill may be a little higher or lower based on the timing of your move and other factors that affect your premium.
- Will my billing due date change if I move?
There is no impact if you moved within the same state. If you move states, then your billing date may change.
- Will my policy number change?
Not usually, but it might. One instance in which it may change is if you have a more complex transaction. An example would be if you have multiple vehicles and they are in different states.
- How will my drivers and vehicles be affected?
Unless you make changes, your drivers and vehicles will likely remain on your policy.
- What happens with my policy when I move states?
We may rewrite your policy for a new term to meet the states requirements and regulations. It may affect your billing due dates and your rates.
- What if I bought another home and/or my vehicles will be in different places?
Call our team at (800) 841-3000. Were specialists at making those complicated changes to your policy so that you are fully covered.
- Should I add my spouse to my auto policy when I get married?
You could save money by combining auto policies. With a Multi-Vehicle Discount you could save when you insure more than one vehicle on your policy. If you have renters or homeowners through the GEICO Insurance Agency, you could also save with a Multi-Policy Discount.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
9 Questions Insurance Adjusters DON’T Want You To Ask
FAQ
What is GEICO auto pay?
What happens if my GEICO payment doesn’t go through?
What is the GEICO lawsuit about?
Is GEICO overcharging?
How do I pay my GEICO insurance?
Download the GEICO Mobile app today to see all the ways we make insurance easy. Phone Pay: Call (800) 932-8872 and use our automated system to pay your bill. You can also store your account info in our system to make your future payments easy. Bill Payer Service: Pay your GEICO bill electronically through your bank’s online bill pay service.
Is GEICO a good car insurance provider?
Keep reading to learn why Geico is ranked as one of the best car insurance providers nationwide. Key Takeaways: Geico offers 16 discounts based on factors such as a person’s driving record, vehicles, affiliations and other insurance policies.
How do I get the lowest Geico car insurance rates?
Bundle these policies with your auto insurance for additional savings. Multi-vehicle discount: Insuring more than one vehicle under the same Geico auto policy entitles you to a discount of up to 25% on most coverage. Get the lowest Geico car insurance rates possible for your driver profile by taking the following steps:
Does GEICO offer car insurance discounts?
Geico offers auto insurance discounts to drivers operating vehicles equipped with specific safety equipment. Drivers of new vehicles less than three model years old can save an additional 15%. Airbags: Save as much as 23% on select portions of your insurance coverage by driving a vehicle with working airbags.