If you have a clean driving record, a good driver discount can reduce your annual premium by 25%. Auto insurance companies recognize safe drivers and reward them with discounts for avoiding accidents, traffic violations, tickets, and owning a car with safety features, such as running lights, and automatic seat belts. If you're shopping for a new provider or you've had the same insurance company for years, getting a new auto insurance quote can reveal car insurance discounts and new ways to save.
Insurance companies know safe drivers own safe cars. Discounts and safety regulations vary by state, but owning a car with running lights, airbags, automatic safety belts, and integrated safety features can reduce personal injury and medical premiums by as much as 15%. Front and side airbags, passive restraint systems, and factory-installed safety features prevent accidents and qualify for car insurance discounts. Whether you're shopping for a new car or a new car insurance company, mentioning your vehicle's safety features can result in residual savings for the life of your policy.
Drivers who have completed a defensive driving class or driver's education program can qualify for a good driver discount by understanding the rules of the road, proper safety practices, and correct driving techniques. Policyholders and drivers young and old can earn extra car insurance discounts by enrolling in a state-authorized, six-hour safe driving class. Driver's ed programs and defensive driver's courses are typically administered at a local community college or educational institution where enrollees are issued a formal certificate of completion. By submitting a valid defensive driving certificate, policyholders can qualify for a good driver discount of 10% or more.
When it comes to saving money on car insurance and qualifying for substantial car insurance discounts, nothing will reduce you premium more than a good driver discount after three accident-free years. A good driver discount can reduce your annual car insurance payments by 25% depending on your provider and state of residence. Good driver discounts for a clean driving record usually begin after three subsequent years without an accident or traffic ticket. After five years without an accident or ticket, tiered discounts for safe drivers reach their maximum value of approximately 25%, and you're car insurance rates won't go up even if you cause an accident.
If you're looking for a new car insurance provider or a way to reduce your current premium, applying for an online quote is a great way to discover good driver discounts and ways to save without reducing your car insurance benefits. With car insurance discounts, you can lower insurance expenses and keep the same great coverage.