When comparing the prices on car insurance coverage, it's always nice to know when you may be able to save some money on your premiums. With the good driving discount, this could be one way to do so.
The good driving discount may be one of the most common auto discounts that is available among car insurance carriers. Most, if not all, major insurers offer this to their insureds - and if you qualify, it may be possible to save several hundred dollars per year on your coverage, depending on how many total drivers there are in your household.
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How to Qualify for—and Keep—the Good Driving Discount
In most cases, you can qualify for the good driving discount after five years of a clear driving record. This means that you've had no traffic violations or accidents during that time. Some insurance carriers will actually break down their good driving discount into two separate components. These could include an "accident free" discount and a "violation free" discount.
Once you've qualified for the good driving discount, it's important to keep it, as it could be saving you a great deal in premium dollars every year. With that in mind, you'll want to be sure to closely follow the rules of the road so as not to obtain any traffic violations.
It can also be helpful to take a defensive driving course. Oftentimes, these classes can be beneficial in protecting drivers against at-fault accidents, which can in turn, also keep you from losing your good driving discount.
There are some insurance companies that may provide extra coverage such as "accident forgiveness" that may waive the surcharges that are associated with at-fault accidents and / or traffic violations.
Having this added feature could help you to maintain your good driving discount should one of these situations arise. Therefore, be sure to check with your auto insurer to see what types of coverage are available in your current or potential future plan.