How Being A Safe Driver Can Lower Your Auto Insurance Rates

Safe Driver Discounts

If you have a clean driving record, you are your auto insurance company’s best friend. Keeping your record free of any tickets or other infractions lowers your risk on the road, which means big discounts for your auto insurance premiums.

There are two major types of discounts that are available for safe drivers, including:

  • Safe driver discount, which is for drivers who do not have any major violations on their driving record after a certain number of years. This discount may also take claims and accidents into consideration and can apply to new and existing customers.
  • Accident-free discount, which allows for lower car insurance rates for continuing customers who go a certain number of years without getting into an accident.

Typically, these discounts can lead to savings of up to 20 percent on your auto insurance premiums each year.

While the safe driver and accident-free discounts are the two most common types of auto insurance discounts that are out there, they are not the only ones. Some car insurance companies will offer declining deductibles for each year that passes that you do not make a claim, as well as discounts for senior and young drivers who take a safe driving course.

You may also have the opportunity to invest in usage-based car insurance. These policies use in vehicle equipment that will track certain details about your driving, including the times that you drive, mileage, and speed. If the device shows that you are a safe driver, you may be able to benefit from lower rates.

When it comes to finding the right auto insurance policy to ensure that you have the coverage that you deserve at the right price, contact the independent insurance professionals at Aimpro Insurance in Phoenix, Arizona.