Good Driver Discount
Many insurance companies reward drivers who maintain a perfect driving record with low insurance premiums AND good driver discounts.
Who is a Safe Driver?
While each insurance company has its own definition of a safe driver, in most cases, it's a person whose driving record is free of:
- At-fault accidents.
- Speeding violations.
- Reckless driving citations.
- DUI or DWI tickets.
How Are Discounts Awarded?
Some car insurance companies might give you a discount, usually between 5% and 15%:
- For each year you drive without incurring a moving violation or causing an accident.
- Based on your driving record over a certain period of time, such as three or five years.
Insurance companies may also separate good driving discounts into:
- Accident-free discounts: Going a certain amount of time without being at-fault in an accident.
- Violation-free discounts: Driving over a period of time without receiving tickets for moving violations.
When the discount is split, it's beneficial to you because you can receive at least some portion of the good driver discount, even if you don't qualify for the full discount.
Finally, good driver discounts may be distributed per driver, so if you have several drivers on your policy and everyone maintains a good driving record, your discounts will add up.
Maintaining Your Good Driver Discount
So, you got the good driver discount but how to maintain it? Consider a few of the following suggestions for protecting your good driver discount:
- Familiarize yourself with the rules of the road.
- Knowing the traffic laws specific to your state drastically lessens your chances of receiving a citation.
- Enroll in a defensive driving course.
- In addition to learning how to avoid accidents, completing a defensive driving course could also earn you additional safe-driving discounts on your insurance rates.
- Look into minor violation AND accident forgiveness coverage.
- Minor violation and accident forgiveness lower the financial setbacks you'll face if you're ticketed for a minor infraction OR are involved in an accident, respectively.
- Make sure the added cost for these types of coverage doesn't offset the savings you receive from the good driver discount.
While the effort of maintaining your good driver discount may require being a slower and more cautious driver, the money you'll save is worth it. Not only will driving safely save you money with discounts AND a lack of traffic tickets, it it also comes with a greater benefit of limiting injuries and death caused by reckless driving accidents.