A safe driver discount is a financial discount on auto insurance premiums that may be given to drivers who display good driving behavior. What good driving consists of may vary from different insurance carriers. An insurance company may refer to this discount as a “good driver discount” instead of a safe driver auto discount.
How a safe driver discount works
Generally, a discount may be applied if a policyholder shows certain driving behaviors or has maintained a clean driving record.
These behaviors and factors may include:
- Having no at-fault accidents
- Not submitting any major insurance claims
- A clean driving record
- Knowledge of defensive driving, like completing a defensive driving course
Insurance carriers can use different methods to determine your eligibility for a safe-driving discount. Depending on the carrier, methods may include reviewing your driving history, using a mobile app, or allowing drivers to opt into a telematics program to track their driving behavior.
Benefits of the discount
Potential benefits of a safe driver auto discount for eligible drivers may include:
- Lower monthly premiums
- Eligibility for other types of insurance or driving programs
- Developing better driving habits to keep the discount
Reading your insurance policy fully can help you understand the potential benefits of your insurance’s safe driver discount. If you have any questions, you may want to contact your insurance agent.
Tips to maintain eligibility
Most safe driving discount programs only allow you to get a discount if you display your insurer’s criteria for good driving performance. A good performance can vary depending on the insurance provider; it may include:
- Keeping to the speed limit
- Following all traffic rules and signs
- Acceleration, braking, and turning
- Mileage
Another factor that can affect your eligibility is your type of vehicle. Depending on the eligibility terms, a vehicle like an antique or classic car may make you ineligible for a safe driving discount.
Learn more about auto insurance policy options
If your insurance policy currently doesn’t have a safe driver discount and you want to look for other options, Infinity Insurance Agency, Inc. (IIA) can assist with your discount questions. Our representatives can help you explore options from multiple insurance companies to find car insurance coverage that fits your needs.
Get a free online quote or call 1-855-478-3705 to speak with an insurance agent today.