Brooks Olegario

Daylight Saving Time always begins on the second Sunday in March and ends on the first Sunday in November.

GEICO also offers roadside assistance exclusively for its auto insurance customers, at a more affordable cost than the price of an AAA membership. Both services cover common needs such as towing, locksmith services, gas delivery, and flat tire repair and replacement. GEICO also offers lower rates for drivers who have had an at-fault accident or violation.

The average cost for each company includes: AAA is also cheaper for drivers who have an at-fault collision in the past. Drivers with this type of accident claim pay 51 percent more than a claim-free driver pays with GEICO and 46 percent more than a claim-free driver at AAA.

Unlike AAA, GEICO offers a telematics program for its members. This involves a small device that you plug into your car to monitor your driving habits, such as mileage, turning, braking, and acceleration. With DriveEasy, the company's smartphone app, you can earn rewards for safe driving behavior including discounts of up to 30 percent. The features of the popular GEICO mobile app include the ability to chat with an agent 24/7, call for roadside assistance, and access digital ID cards.

Overall, ValuePenguin notes that while GEICO consistently offers competitive rates, AAA is rarely the most affordable option except for drivers that represent a very low risk. You may want to get a quote from AAA if you have a good driving history, high credit score, and home in a zip code with low auto insurance rates. Quote Wizard notes that you're probably most familiar with AAA because of its famous roadside assistance program. Many members of AAA carry auto insurance with another company but still have the service for help in case of an accident or breakdown. Additional auto insurance discounts available from GEICO include price breaks for customer loyalty, federal employees, membership in various organizations and clubs (alumni associations, for example), military affiliation, emergency deployment, driver's education, defensive driving courses, seatbelt use, and good driving habits.

GEICO offers auto coverage throughout the U.S. You can only purchase a policy from AAA if you live in West Virginia, Virginia, Texas, Pennsylvania, Ohio, New Hampshire, Maine, New Mexico, Mississippi, Missouri, Indiana, Kansas, Louisiana, Kentucky, Illinois, Hawaii, California, Connecticut , Arkansas, or Alabama. If you have a grade point average of at least 3.0 (a B) in high school or college, you can qualify for a good student discount. AAA offers up to 20 percent while GEICO gives 15 percent off for academic performance. ValuePenguin reports that GEICO is a better choice for most drivers in the military.

In addition to the insurer's deployment discount, GEICO offers a 15 percent discount for military members and veterans. A good driving history discount is also available from both companies. The size of the AAA discount changes from state to state.

GEICO offers a safe driving discount of up to 26 percent, depending on your specific history. Having a low credit score can increase your auto insurance rates. InsuranceOnline.com reports that if you have a FICO score below 580, you will find more affordable rates at GEICO than at AAA.

The average discount from the former compared to the latter is $1750, with average annual rates by credit score as follows: Keep in mind that if you have AAA, you can use it as a driver or a passenger. GEICO only allows you to use roadside service on the specific insured vehicle. GEICO provide unlimited free service calls, while AAA allows each member for free service calls annually. According to Insurify, GEICO and AAA each have a significant discount for customers who insure multiple vehicles.

AAA has a graduated discount that maxes out at 26 percent, while GEICO offers a flat 25 percent multi-car discount. In addition to policy discounts, AAA members can also access discounts on countless other products and services. Some of the most popular coupon and perk categories from the insurance company include travel, shopping, services, hotels, insurance, health care, financial services, entertainment, dining, and auto. With the AAA mobile app, you can get discounts for members at more than 164,000 places all over the U.S. You can also get a quote for a new battery or call for roadside assistance directly from the organization's app. You can also get a discount from either company for bundling different types of insurance policies. Both offer life, home, and renter's insurance.

However, GEICO also offers policies that cover mobile homes, RVs, travel trailers, motorcycles, and boats. ValuePenguin surveyed drivers in Nevada, Arizona, and California and found that AAA offers cheaper rates than GEICO for motorists in those states. The website reports that the average 30-year-old man would pay $217 more with GEICO for a full coverage policy than with AAA.

The sample 18-year-old driver was quoted an average of $1,827 per year from AAA and $2,451 per year from GEICO.

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