What is a good driver discount?

Get the good driver discount and save up to 45% on your car insurance rates by (1) driving defensively, (2) staying claim-free, and (3) comparing quotes from multiple insurers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 17, 2021

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Here's what you need to know...

  • The fewer car accidents you’re involved in, the more discounts you could receive
  • Discounts for being accident-free vary depending on which insurance company you’re with
  • You could lose your accident-free good driving discount for an accident that is not your fault

Generally, drivers who have fewer accidents are able to get lower-priced car insurance policies. This discount is usually restricted to motorists who have had their driver’s licenses for five or more years.

Every auto insurance provider has its own way of calculating rates, so you will need to contact your insurance agent to see if you qualify for an accident-free good driver discount.

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When drivers are able to avoid getting into collisions, they don’t have to submit any insurance claims.

This allows auto insurance companies to save money on litigation fees, accident investigations, and other related expenses. This is also a great benefit to policyholders as they will rarely experience an increase in premiums.

How to Qualify for the Accident-Free Good Driver Car Insurance Discount

Although this discount goes by different names, most car insurance companies automatically give policyholders this discount.

The savings vary, as different insurance providers charge different rates for full coverage and liability-only insurance. You might not be able to save as much money on your premiums in certain circumstances.

In most cases, you won’t have to do anything in order to get an accident-free good driver discount.

Your savings will increase when you stay with the same car insurance company because you will have a lengthier driving history on record.

If you are looking to buy a new policy with a car insurance company, you should feel free to ask about safe driving programs, as well as other discounts that you may qualify for.

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Ways to Save More with the Good Driver Discount

Drivers who save money by avoiding accidents often start to wonder what other ways there are for them to save. Car insurance companies also give discounts to motorists who do not receive moving violations.

If you don’t have any points on your license, it becomes more obvious to auto insurance companies that you are a low insurance risk.

The American Association of Motor Vehicle Administrators has information on driving safety programs, as well as comparison guides on liability and full collision car insurance.

You can save a substantial amount of money with the accident-free good driver discount alone, but when you combine it with other discounts you can cut your premiums down by 50% or more.

Other Discount Programs Aimed at Safe Drivers

If you haven’t been in an accident for a few years, it is probably because you know to look out for potential roadway hazards.

Combining this knowledge with the information you will learn by taking a defensive driving course will help you to lower your car insurance rates even further.

Defensive driving courses are also suggested to drivers who have limited driving records or have a history of getting into at-fault accidents.

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Cars that are equipped with anti-lock brakes, anti-theft devices, automatic seat belts, and advanced driving controls can also help drivers automatically qualify for additional discounts.

You probably have had several different discounts applied to your policy that you don’t know about, as they are considered to be standard.

If you want a breakdown of all of the discounts that you have, talk to your car insurance provider.

How can you lose your accident-free good driver discount?

The accident-free safe driver discount might be able to help you save a lot of money, but it is not a guarantee.

If you are not partnered with an auto insurance provider that has an accident forgiveness program, you could lose your accident-free safe driver discount, even if you were not at fault for the accident in question.

It is best to ask your car insurance provider plenty of questions about any stipulations with the accident-free safe driver discount program so that you can be better prepared.

Some car insurance companies consider driving infractions when giving safe driver discounts.

This means that getting a few speeding tickets or getting too many points on your driver’s license can cause you to be disqualified.

You should also be careful about the drivers that you add to your policy. If their driving records aren’t perfect, they can cause your premiums to go up despite the fact that you qualify for the safe driver discount.

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