Good Driver Discounts: Accident & Violation-Free Insurance

Having a clean driving record can be a great help when shopping for insurance!

Most insurance companies offer significant discounts by taking into account driving history and other insurance rating factors.

Here are some tips on how to lower premiums to ensure a better price.

What discounts are available for good drivers?

The type of discount and the extent to which it is reduced usually varies from insurance company to company. Requirements may vary from company to company.

Discounts offered by companies generally fall into two categories:

No Accident Discount – Drivers can get a discount of up to 20% if they have not been involved in an accident in the past 3-5 years, depending on the company.
No-Fault Discount – A discount of up to 15% for drivers who have not had a traffic violation in the specified year.

Companies that offer these great discounts to drivers include Nationwide, Allstate, Progressive and Travelers.

The discounts apply to each driver individually. In other words, the more drivers with perfect reports, the lower the premium.

Best Driving Rules in California

In California, insurance companies are required to give a 20% discount to drivers who meet state regulations. A driver may receive the discount in the following cases:

Maintain a valid license for at least 3 years at all times.
Has had a DMV score of less than 1 point within the last 3 years after the violation.
Because of the violations, he has been in traffic schools more than once.
I have never been involved in a traffic accident that resulted in injury or death.
I have never been convicted of a DUI in the last 10 years.

Keep good driver discounts

Keeping a good driver’s discount is just as important as getting one in the first place. To keep premiums low, you can use several methods to prevent price increases.

Your feet should not be heavy while driving

To avoid traffic violations and accidents, it’s best to avoid excessive use of the gas and brake pedals. Driving safely and carefully avoids the discomfort that can lead to the deletion of clean records.

Consider including accident forgiveness in your policy

Accident insurance is coverage that can be added to your car policy to prevent increased costs in the event of an accident. In most cases, these discounts can be purchased or earned for driving safely for several consecutive years.

Take a defensive driving course

Another way to keep premiums low is to take what is called a defensive driving course. This class usually lasts 4 to 8 hours per week and is designed to help drivers handle their vehicles in unexpected situations, such as aggressive drivers, mechanical problems and extreme weather conditions. Upon completion of this course, you will receive valuable future knowledge and a certificate that can be provided to your insurance company for additional savings.