• Discounts and special offers
  • Subscriber-only articles and interviews
  • Breaking news and trending topics

Already a subscriber?

By signing up, you accept Moneywise's Terms of Use, Subscription Agreement, and Privacy Policy.

Not interested ?

Bad driving habits

Most drivers who buy car insurance from GEICO are able to participate in DriveEasy, a safe-driving program that rewards or penalizes drivers based on their driving behavior.

Using sensors in your phone, DriveEasy automatically logs your driving behaviors — like how fast and far you drive, how hard you brake and how often you use your phone — and calculates a safe driving score. GEICO then factors your score into your insurance rate (either with a discount or a price hike) upon renewal.

This is supposed to incentivize drivers to practice safe habits on the road — but it can also catch bad drivers, as Ayrial found out. Her problem with that was, as she claimed in her TikTok, she wasn't always the one driving.

To protect herself from a bad driving score, Ayrial said a GEICO customer service rep told her she should have switched her DriveEasy app settings to ‘passenger’ mode every time she got a ride with somebody else.

“That’s extra work for me. I don’t understand,” she said, adding that she didn’t “read the fine print” on her policy, which explained how the safe-driving app impacts insurance rates.

As such, Ayrial claimed the “huge increase” in her bill from $129 to $202 is uncalled for.

“Give me a base pay and that’s what I pay,” she said. “If I’m not in an accident, it shouldn’t be extra. That’s like when you’re sick, you pay extra for health insurance. I’m not sick!”

Discover the power of FreeCash – your ticket to easy money

Dive into a world of rewards at FreeCash where earning cash is as simple as a click. No gimmicks, just real cash for your time. Join the community of earners today and watch your wallet grow effortlessly.

Make Money Now

A silver lining

While Ayrial’s car insurance rate increase was allegedly deemed a direct result of her driving score, many other drivers across the country have seen frustrating rate increases in recent years as a result of broader insurance market trends.

There are several factors driving up the cost of car insurance — from an increase in accident claims, litigation and medical costs for insurers to pay out (and price for), to higher repair costs due to inflation in the price of new and used vehicles, car parts and labor.

There is one silver lining to this dark cloud, which is that car prices are moderating after exploding by record amounts during the COVID-19 pandemic.

While auto insurance costs jumped by 22.2% last month from a year earlier, according to the latest Consumer Price Index data, new vehicle prices actually declined 0.1% and used prices dropped 2.2% over the same period.


This 2 Minute Move Could Knock $500/Year off Your Car Insurance in 2024

Saving money on car insurance with BestMoney is a simple way to reduce your expenses. You’ll often get the same, or even better, insurance for less than what you’re paying right now.

There’s no reason not to at least try this free service. Check out BestMoney today, and take a turn in the right direction.

Bethan Moorcraft is a reporter for Moneywise with experience in news editing and business reporting across international markets.


The content provided on Moneywise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.