Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 18, 2021

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Important facts to know...

When you apply for a driver’s license, you are required to pass a written and a practical exam. You won’t be issued a licensed to drive a heavy piece of machinery until you can show that you know all of the traffic laws and you know how to operate a motor vehicle safely.

Once you pass each test, you’ll have to take an eye exam and sign a statement that says you’ll submit to a chemical test if required by law enforcement. The chemical test statement must be signed to get your license.

You must drive responsibly to keep your license once it’s issued to you. If you aren’t a safe driver and your record reflects this, the DMV will take steps to take your privilege away from you.

Not only is it your duty to drive responsibly, being a safe driver can pay off in other ways. You have to buy insurance, so you might as well get safe driver rates.

If you are a safe driver and want to lower your auto insurance rates, start comparison shopping today by entering your ZIP code above!

What is the definition of a safe driver?

If you’re truly a safe driver, it’d be nice if an insurance company could look over your shoulder at random times throughout the week to see just how responsible you are.

Unfortunately, standard insurance companies don’t have the time or the resources to do that. Some substandard companies have computer systems that do some monitoring, though.

Insurance companies use other more statistically driven processes to see if you fit the definition of a safe driver. To the average insurer, someone who has their license isn’t guaranteed to be a safe driver.

The insurer will look at the driver’s experience, their motor vehicle record, and other claims reports to see how safe they actually drive.

To the insurer, having multiple tickets and accidents means that you’re not obeying the law or driving defensively.

The carrier will run your driving record when you buy insurance and again each time it renews. If there are new convictions for anything from running a red light to speeding, you’ll see a rise in your rates.

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Do you get any special discounts for driving safe?

Driving cautiously should be a habit of preserving human life. A car can cause catastrophic damage and serious, life-threatening injuries.

Driving recklessly is the reason why 1.3 million people die in car crashes each year. By being a defensive driver who makes good decisions, you can be a part of the solution instead of adding to the problem.

Making the right choice to obey traffic laws also pays off in the form of insurance discounts.

Insurance companies are less likely to pay out a claim when someone is classified as a safe driver, so that means the driver doesn’t have to pay high premiums. If something does happen, the insurer will still pay, but there’s less of a statistical likelihood that it will happen.

Since the statistics work in favor of a safe driver, anyone who meets the insurance company’s definition of being a good driver will get a discount.

More than one driver in the home can get safe driver discounts. The more, the merrier.

Here are some of the discounts that are available to only safe drivers:

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– Good Driver Discount

To get a discount for being a good driver, you have to maintain a good record with no tickets or violations for the preceding period of three to five years.

In some states, like the state of California, you’re still eligible for the GDD even if you have one minor violation in the last three years. Check your state’s discount criteria.

If you are able to avoid these blemishes, you’ll save 20 to 30 percent off of particular coverage options that you carry for as long as you keep your record clear. The discount will apply for your third-party liability coverage options, which can carry high premiums, and also to Medical Payments and Personal Injury Protection.

– Accident-Free Discount

There are states that have separate discounts for your violation history and your accident history. In these states, you may be able to qualify for something called an Accident-Free Discount if you have a clear accident record but you have violations.

For the Accident-Free Discount, you need to avoid getting into any at-fault accidents for a three-year span. If you’re inexperienced and you don’t have at least three years of licensing experience, you won’t get the discount.

Check for this discount after an accident is no longer considered chargeable.

– Disappearing or Vanishing Deductible

Some carriers have a particular term built into preferred contracts that will help reduce how much you have to pay when you file a claim. If you select a high deductible for comprehensive and collision, the deductible will go down over the years as you go accident-free.

Check to see how quickly the deductible vanishes with the company directly.

– Accident Forgiveness

No matter how long you’ve been accident-free, getting into a collision can affect your rates if you’re to blame.

Fortunately, there’s a way that you can avoid surcharges after an accident if you do business with a carrier that has accident forgiveness discount provisions. You will get a pass for that first accident because of your spotless past.

What does it mean to be a preferred driver?

There are preferred, standard, and high-risk classes. Some companies only sell standard products and others sell preferred packages.

If you qualify for safe driver, have experience, and meet credit criteria, you will qualify for a low preferred rate.

Safe drivers should always shop around. Having a good record could get you lower rates than you’d ever imagine.

Start getting quotes now by comparing prices online. You can use a single quoting tool to get instant quotes that are provided by preferred carriers. Once you’re done, secure a policy by applying.

Try our FREE online quote tool and start comparing auto insurance rates today! Enter your ZIP code below!