Skip to main content

Good Driver Car Insurance Discount

Are you eligible to save money with a good driver discount?

Illustration of a blue car on top of sheet of paper with an auto insurance policy

What is a Good Driver Auto Insurance Discount?

A good driver auto insurance discount is a reduced insurance premium based on your clean driving history. A good driver discount is like being rewarded for doing the right thing. With this car discount, your insurance carrier will charge you less each month for your car insurance as a kind of reward for your safe driving record.

But how does car insurance discounts work? And what kind of safe driving record are insurance carriers looking out for? Keep reading to discover how a clean driving record can knock some of the cost off your monthly premium and get you cheap car insurance!

How Does a Good Driver Discount Work?

Simply put, your insurance company will give you a discount on your insurance premium if you meet the qualifications of a good or safe driver. This typically means no moving violations or accidents in a set amount of time – usually between 3 to 5 years.

How Much Money Can a Good Driving Discount Actually Save?

While it always depends on your insurance carrier, most good driver discounts can save you between 10% to 30% on your car insurance premium. If you drive safely, it does pay off. How much you save may depend on the discounts your carrier offers. That’s why it’s a good idea to do some comparison auto insurance shopping.

For example, there may be lower savings thanks to a violation-free discount and higher savings thanks to an accident-free discount. And while it is usually considered a separate form of discount, you may be able to save 10% or more if you complete a defensive driving course.

Finally, you may be able to save more by “stacking” several good driving discounts. However, many carriers limit how many you can stack, and some forbid stacking discounts altogether.

Speaking with a Freeway Insurance agent can help you find the cheapest car insurance available.

What Is Considered a “Clean Driving Record?”

While different insurance carriers may use slightly different definitions, a “clean driving record” usually means you have not been involved in any driving incidents in the last three to five years. Additionally, some insurance carriers consider whether you have been a “safe driver.”

Why is this important? A clean driving record may be disrupted if someone else is at-fault for involving you in an accident. But if the carrier is focusing more on whether you, personally, are a safe driver, accidents you are involved in but not responsible for will be taken into consideration. This can be a double-edged sword, though: insurance carriers may also look at speeding tickets or other violations outside of car accidents to determine if you are a safe driver or not.

Middle age man inside car driving

Are There Different Kinds of Good Driver Vehicle Insurance Discounts?

Both drivers and carriers usually use “good driver vehicle insurance discount” as a catch-all term, but there are different kinds of discounts available. In some cases, a driver might qualify for one discount but not another.

For example, many carriers have an accident-free discount available. So if you haven’t been involved in a car accident in the last three to five years, you probably qualify.

Some carriers may also offer violation-free discounts. These are discounts available to drivers who don’t have traffic violations not just car accidents in the last three to five years.

Is There a Difference Between a Good Driver Discount and a Safe Driver Discount?

Sometimes. In many cases, the terms mean the same thing. However, some carriers offer a “safe driving discount” that combines the accident-free discount and the violation-free discount. In other words, you can qualify for the discount if you have managed to avoid both car accidents and traffic violations in the last three to five years.

Good driver, accident-free and safe driver are the most common forms of good driving discounts available via most insurance carriers. In some cases, your carrier may offer special discounts for other kinds of safe driving behaviors.

As always, you are better off calling and asking: with any luck, any discounts you already qualify for may be discovered, as well.

What Are the Best Ways To Maintain a Good Driving Record?

You can maintain any good driving discounts you have by driving less frequently, reducing distractions, being gentle with your gas and brakes, and looking into additional options through your insurance carrier. Without taking such measures, even a single-car accident or moving violation could disqualify you from receiving further discounts.

When you drive less often, you run less of a risk of getting into a car accident. And you may be able to drive less often by exploring work-from-home options, inviting people over more and going out less, and catching more rides with others.

As an added bonus, driving less often may mean you maybe be eligible for a discount: the low-mileage discount. There are plenty of other discounts available, as well.

Get Your Best Car Insurance Rates Online Today

A good driving discount can save you money each month. But you can save even more money by switching to a car insurance company that offers more competitive rates!

Here at Freeway Insurance, we offer the best of both worlds: great insurance rates and great discounts. You can get a fast and free online auto insurance quote or feel free to give us a call at 800-777-5620. Finally, you can also visit us at an office near you.

Online
Over the phone
Visit Us