Enter your ZIP code:

Good Driver Car Insurance Rewards Safe Driving

If you're a risky driver who constantly speeds, weaves in and out of traffic or causes accidents, your driving record probably isn't stellar.

If, on the other hand, you're a good and careful driver who obeys the law, seldom gets ticketed and hasn't had an accident in years, your cautious nature may just earn you some brownie points when it comes to lowering your insurance rates.

In fact, for good drivers like you, cheap car insurance is the ultimate reward for careful driving.

 

The Logic behind It

 

Since car insurance companies base premiums partially on past driving experience, a good driving record automatically entitles you to a discount on car insurance rates.

Why? Because once a careful driver, always a careful driver—at least in your insurer's eyes. If you have a good driving record when you're younger, you'll usually continue that trend as you grow older. That makes you less risk to your insurance company; and they'll most likely reward you with reduced premiums.

In fact, the better your record when it comes to things like accidents, claims and tickets, the lower your premiums are likely to be—saving you a considerable amount on car insurance.

It's as simple as that.

 

What Makes a Good Driver?

 

Typically labeled a "preferred risk driver" by the insurance industry, if you're a good driver you're generally:

  1. In your mid-twenties or older, offering enough time to establish an exemplary record
  2. Free of moving violations or tickets in the past three or more years, depending on where you live and which insurer you choose
  3. Superior when it comes to credit scores, with higher ratings than most of your peers
  4. Lawful citizens, with no vehicle-related crime convictions

Taking a defensive driving course also improves your chances of obtaining a good driver discount, as it shows your insurance company a willingness to improve your overall driving skills.

 

When It's Not Your Fault

 

Occasionally we all find ourselves in unavoidable situations that aren't our fault. So how do predicaments like these affect good driver discounts?

Though most insurance companies won't penalize you as a result, check with your insurer ahead of time to find out if no-fault tickets or accidents can cause you to lose your good driver discount. Every insurance company sees things differently, so it's wise to ask these questions right up front to avoid problems later.

Besides, a good driver is always well informed!

 

Enjoy the Benefits

 

Good drivers ride safely, avoid costly repairs and medical bills, and help protect themselves and others on the road. But one of the greatest benefits comes with preferred driver discounts, an easy route to cheaper car insurance.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17719
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18043
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16993
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17537
81 How to Get Discount Auto Insurance youcomparequotes 17796
80 Insurance for Van Lovers youcomparequotes 17542
79 Car Insurance That Fits Your Needs youcomparequotes 17195
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17382
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18400
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17197
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19438
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17783
73 Auto Insurance from InsureMe youcomparequotes 17698
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18064
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18454
70 Buying and Insuring a New Car youcomparequotes 16816
69 Compare Auto Insurance Rates youcomparequotes 17144
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16650
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16743
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17202
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17312
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16659
63 How to Reduce Car Insurance Prices youcomparequotes 17190
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17383
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16699
60 Auto Insurance Cost & Your Ride youcomparequotes 17195
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16971
58 How to Get the Cheapest Car Insurance youcomparequotes 16879
57 Selecting a Car Insurance Company youcomparequotes 17578
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17187
55 Get the Best Car Insurance Rates Around youcomparequotes 17428
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16465
53 Child Safety Belts Keep Kids Safe youcomparequotes 17131
52 Speeding and Car Insurance Rates youcomparequotes 16857
51 Not At Fault Car Insurance & Accidents youcomparequotes 16970
50 State Auto Insurance Becoming Available youcomparequotes 17458
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17709
48 Car Insurance & Roommates or Family Members youcomparequotes 17282
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16980
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16884
45 SUVs: Minor Collision, Major Damage youcomparequotes 17435
44 Severe Weather Driving Tips youcomparequotes 17212
43 Avoiding Aggressive Drivers youcomparequotes 18074
42 Safety Tips & Car Insurance for Teens youcomparequotes 17128
41 Insurance for Cars: It's Your Choice youcomparequotes 17085
40 Car Insurance Quotes Save You Money youcomparequotes 17147
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 18022
38 Safety Features Save Lives & Money youcomparequotes 16908
37 Curbing Auto Insurance Prices youcomparequotes 16449
36 Teen Auto Insurance youcomparequotes 16733
35 Car Insurance: Your Questions Answered youcomparequotes 16785
34 How to Buy Car Insurance youcomparequotes 17421
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16700
32 Truck Insurance for Your Pride & Joy youcomparequotes 16488
31 How Insuring a Used Car Can Save You Money youcomparequotes 17516
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17338
29 Credit Scores & Car Insurance youcomparequotes 17929
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16949
27 Reducing SUV Insurance Rates youcomparequotes 16871
» Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17388
25 How to File an Auto Insurance Claim youcomparequotes 17026
24 Avoiding Deer Collisions While Driving youcomparequotes 17493
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16849
22 Auto Insurance Basics That Save youcomparequotes 17250
21 It's Official - Men Are Terrible Drivers youcomparequotes 18754
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17502
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 17026
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17286
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17059
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17410
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16899
14 Your Options in Motorcycle Insurance youcomparequotes 16876
13 The Advantages of RV Insurance youcomparequotes 17248
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34755
11 Insuring Your Teen Driver youcomparequotes 17021
10 The SR22 & Car Insurance youcomparequotes 16504
9 Auto Insurance & Generic Parts youcomparequotes 17212
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18347
7 Drowsy Drivers, Wake Up! youcomparequotes 16511
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17888
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17317
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21414
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16818
2 Auto Insurance Quotes youcomparequotes 17281
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17564
XE Login