Car insurance can be expensive, but there are some ways you can get a more inexpensive auto insurance policy. One method is building a good credit score. Another is to get a good driver discount.
Here is how being a good driver can help you get a reasonable price for your policy:
Who Is Considered a Good Driver?
The insurer will factor in your age, gender, make and model of your car, and your driving experience/history to decide how much insurance you should pay. However, the “good driver” tag mainly depends on your driving history.
Some insurance agencies require you to have a clean record for the last five years, while others require one year. Other agencies offer a sliding discount, which means that every year you drive without registering a violation, you get additional benefits.
Tips for Being a Safe Driver
If you want to get a discount for your good driving skills, keep the following things in mind.
- Drive defensively: Obey the traffic rules wherever you go, leave a sufficient gap between yourself and the cars next to you, and, in particular, never cross the speed limit.
- Shop around: Review several policies before selecting the best one.
- Purchase accident forgiveness: Some insurance agencies let you add an “accident forgiveness” coverage plan to your policy, which enables the agency to “forgive” one (and only one) at-fault accident you are involved in.
Remember that any traffic violation (including speeding tickets), accidents (except the first one if you have accident forgiveness) and getting points on your license (drunken driving, illegal turns, etc.) can very likely make you lose your discount.
While you work on your driving skills to earn yourself a good driver discount, it is always better to have a reliable auto insurance policy. Contact our team of experts at Mike Leonard Insurance Agency to get the best insurance for your car. We can help you cover your needs through one of our many carriers, including Kemper, MetLife, Nationwide, Travelers, Safeco Insurance, Progressive, and American Strategic Insurance.