Staying Safe Can Also Protect Your Wallet
When you get behind the wheel, you obviously have a commitment to driving safely. Not only do you want to avoid a painful injury, you also do not want to have to deal with the hassle and expense that even a minor fender-bender can bring into your life. Fortunately, that emphasis on protecting your vehicle on the road can also help protect your bank account in the form of a good driver discount.
Nearly all-insurance providers offer this discount to their carriers who had a clean driving record, and the savings can total up to hundreds of dollars. What is considered “good” driving can be broken down into two components: avoiding accidents and avoiding violations for an extended period of time (usually 5 years).
Avoiding accidents does not mean that you will be penalized if you are rear-ended by a careless driver. It simply means ensuring that you are not involved in any accidents for which you are at-fault.
Avoiding violations means obeying the basic traffic laws so you are not hit with a ticket for reckless driving, speeding, or (perhaps most importantly) a DUI.
To avoid losing your good driver discount because of a little hiccup, look into minor violation and accident forgiveness. In some cases, this will not only waive the surcharges that follow a minor accident or ticket, but can also help you hold on to your good driver status.
If you have a less than perfect driving record, the best thing you can do is start driving carefully now. Once you are able to prove that you have a clean record for an extended period of time, you will again become eligible for this money saving status.
Is your insurance agent helping you secure your good driver discount and all the other savings available to you? Contact Mike Leonard Agency to get the best savings on your auto insurance in Carrollton, North Texas, Coppell, and all of Texas. We are here to maximize your coverage while minimizing your expense.