Safe Driving Insurance Discount

Safe driving insurance discounts encourage drivers to keep a clean driving record. If you take a defensive driving course, some insurance companies will give a safe driving discount of 5-10%.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: May 5, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 5, 2022Fact Checked

Here's what you need to know...

  • How can you lower car insurance? Having a clean driving record helps keep your monthly premium low, it can decrease rates by 5-10%
  • The more traffic violations you have, the higher your car insurance rates will be
  • Taking a defensive driving class can lower your annual car insurance premium

Over the last 10 years, it seems as though we’ve been inundated with television and radio commercials trying to sell us car insurance.

With all of the promotional lingo, many people fail to realize that their individual driving record is the single most important factor. A safe driving record definitely translates into lower car insurance costs.

Believe it or not, how well you drive is much more important in determining your insurance rates than what you drive or where you live. How do you get a safe driver discount? A clean driving record not only keeps you safe but also makes you privy to lower car insurance premiums.

Start comparing affordable car insurance quotes online by entering your zip code above!

Insurance is Risky Business

What the industry does with the premiums is invest that money with the hope that the profit it makes will be greater than any amount they have to pay out on claims you make. If that doesn’t happen, they lose money in the deal.

Because car insurance is such a risky business, companies that offer it must factor in the driving history of those they choose to insure.

Potential new customers with a history of accidents and speeding tickets have demonstrated they are much more careless behind the wheel than those with a clean record.

That means they represent a higher risk and must be charged a higher rate. Drivers with a cleaner record represent a lower risk and can be given a lower rate.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

It’s All about the Points

Almost every insurance company uses a complicated formula that takes into account many factors, including the driver’s age, gender, and driving history.

Your driving history is a combination of the number of accidents on your record and the number of points on your license.

Dealing with the accidents first, the insurance company takes into account the seriousness of each recorded accident, whether or not you made a claim, and how much has been paid out in any claims you’ve made.

In terms of the points on your driver’s license, the state of Massachusetts and its Safe Driver Insurance Plan is a good example to show how this works.

In Massachusetts, a driver’s license is assessed a certain number of points if they are more than 50 percent at fault in an accident. Points are assessed for every violation. Everything from major collisions to minor violations are recorded on your motor vehicle report (MVR) with your state DMV (Department of Motor Vehicles). As those points add up, the insurance costs will get higher.

The Stack of Paper Comparison

Fortunately, even if you’re stuck with high car insurance rates today, it doesn’t necessarily have to stay that way. Because of the way accidents and violations are tracked, it’s possible to end up with a clean driving record in the future, which will result in lower rates.

But in order to accomplish that, drivers need to take advantage of insurance company forgiveness by maintaining a safe driving record into the future. Continued acceptance or violations will only exacerbate the problem.

Think of it in terms of a stack of papers on your desk that you have determined must be thinned out from time to time. You could decide that once a month you will take the paper at the bottom of the stack and discard it.

As long as no more papers are added to the stack, you will eventually eliminate the stack completely. This is how most insurance companies treat accidents and violations.

Usually removing items at the bottom happens in a cycle of six months to a year. It can be longer in some states and with some insurance companies.

Using the one-year example, you may have a speeding violation from last year and an accident from last month. Upon the first anniversary of your speeding violation, it could disappear from your record; a year later, so will the accident.

Take advantage of our online car insurance search tool by entering your zip code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption