Clean driving records prove to car insurance companies that you are a low-risk driver, so providers often offer discounts. What qualifies a good driver for these discounts varies, depending on the car insurance company. There are also things you can do on top of having a clean record to reduce your rates even further. In this article, Part 1 discusses clean driving record discounts and Part 2 addresses the additional things you can do for further discounts.
Other car insurance companies give good driver discounts by dropping their customer’s rates after they complete one year with them without an at-fault accident or citation for a moving violation. They might drop the rates even more after additional years of good driving. It just depends on the car insurance provider.
Some car insurance providers, like Progressive, have a device that you plug into your car. Other insurance companies provide an app that you download onto your smartphone. Progressive
offers both options.
Don’t just buy a car insurance policy from the first insurance company that offers you a discount for your good driving habits. Be prepared to give prospective car insurance companies your car’s make, model, and year. These details can be found on your car’s registration and title, if you don’t already know them off the top of your head. Find out what sort of discounts they will give you for having a clean driving record. Check the reliability ratings on the car insurance providers you are interested in. Consumer Affairs
is a great place to start.