Having a clean driving record can greatly benefit you when searching for insurance. Many insurance providers offer significant discounts based on your driving history and other factors that affect your premium. To get the best price, consider these tips for lowering your premium.
Insurance companies have different types of discounts and percentage reductions for each type of discount. The requirements for obtaining these discounts may also vary between companies.
Discounts are usually divided into two categories: accident-free and violation-free. The accident-free discount can provide a discount of up to 20% for drivers with no accidents in the last 3-5 years, depending on the company. The violation-free discount can give a discount of up to 15% for drivers with no traffic violations over a set number of years.
Companies that offer these good driver discounts include Nationwide, Allstate, Progressive, and Travelers.
Additionally, the more drivers in a household with clean records, the more the premium will decrease.
California specific good driver discounts
In California, insurance companies are mandated to offer a 20% discount to drivers who meet specific state-mandated criteria. To qualify for this discount, a driver must have:
-Maintained a valid license for at least 3 years. -Received no more than 1 DMV point in the last 3 years as a result of a violation. -Not attended traffic school more than once due to a violation. -Not been involved in an at-fault accident that resulted in injury or death. -Not been convicted of driving under the influence within the last 10 years.
Keeping your discounts
Maintaining your Good Driver discounts is just as crucial as earning them. To keep your premium low, you can take steps to avoid a rate increase.
• Drive safely: To avoid traffic violations and accidents, it's important to drive safely and avoid heavy use of the gas and brake pedals.
• Add accident forgiveness to your policy: Accident forgiveness is an additional coverage you can add to your policy to protect you from a rate increase in case of an accident. These discounts can often be earned or bought through consecutive years of safe and accident-free driving.
• Complete a defensive driving course: Taking a defensive driving course can also help you maintain your low premium. These courses typically last between 4-8 hours and teach drivers how to control their vehicle in unexpected situations. Completing the course can earn you a certificate that you can provide to your insurance company for extra savings.
How do I get the discount?
Being cautious while driving is important, as well as taking advantage of any discounts offered! If you have any questions regarding discounts, our Luna agents are available to assist you. We can save you both time and money by quickly comparing quotes for you. Get your free quotes now at www.joinluna.com.