More cars are on the road now than at any other point in history, and insurance is now required of drivers in many states. When driving uninsured is illegal, it’s more important than ever before to make sure you have the coverage you need. Car insurance premiums can be quite expensive, but there are a number of great discounts available for good drivers. A clean driving record may be able to save you big money if you’re eligible for any of these 5 discounts.
- Accident Free Driving
Some of today’s most popular insurance providers offer a discount to drivers with accident free records. Geico, for example, offers its customers a discount for five years of safe driving with no accidents. When you prove yourself to be a safe and responsible driver, your insurance provider will be able to offer you lower insurance rates. Ask your provider about any possible safe driving discounts like this. You may be able to save up to 25% on your premiums. - Low Mileage Discounts
Cars that spend less time on the road are less prone to damage of any kind. The risk of a collision or other accident is lower when a car spends less time in traffic, and the wear and tear that comes with age is reduced for vehicles that are not driven as often. Your insurance provider may be able to offer you discounted rates for lower mileage. Try to start a carpool for your commute to work, or get around by bicycle or public transportation when you don’t need your car. Keeping your mileage low could earn you a tasty discount. - Lower Premiums for Good Students
If you are a student currently in school, or a parent of a student, make sure that those grades stay high every semester. Many insurance providers offer big discounts to hard-working students. In most cases, full time students between the ages of 16 and 25 who maintain at least a B average in school are eligible for a good student discount. Whether you’re paying your own insurance while you work through college, or you’re a parent with a student on your policy, look into these great discounts for good grades. - Driver’s Education Discounts
Insurance companies love educated drivers. Statistically, motorists who attend driver’s education and defensive driving courses are much more responsible on the road, and less prone to accidents. You may be eligible for discounted auto insurance rates if you’ve completed programs like these. Look into local driver’s education courses, and see if spending a little time learning the ways of the road can save you money on your insurance rates. - Automotive Safety Savings
Even for the safest and most responsible driver on the road, some cars will be more expensive to insure. However, if you drive with the latest in automotive safety on your side, you’ll be eligible for lower insurance rates. Things like driver and passenger airbags, anti-lock brakes, and daytime running headlights are all excellent safety features that can lead to big savings on insurance. There are always discounts available to good drivers, but you may have to look for them.