They don't pay you for those things, and nor do they pay for them. They reduce your premiums if you have them. That's perhaps a subtle distinction, but it's a c

They don't pay you for those things, and nor do they pay for them. They reduce your premiums if you have them. That's perhaps a subtle distinction, but it's a critical one. If you're suggesting that an annual physical exam is the risk mitigation equivalent of a car alarm, then GEICO should have eaten the extra cost for purchasing a car with one installed instead of charging a lower premium because you have one.