Safe Driver Discounts: How Can you Qualify?

Safe Driver with Seat Belt

Practicing safe driving habits is not only important for everyone's well-being on the road, but it can also lead to other benefits: like discounts on your auto insurance.

Clean Driving Records - Drivers are at risk of accumulating points on their driving record each time they are found to be at-fault for an accident or if they commit certain traffic violations. However, those who have a clean driving record (i.e. - no points) for the last three years usually qualify for reduced rates on their coverage, according to

Multi-Vehicle Discounts - When you insure more than one car on the same policy, you qualify for discounts - on each and every car you insured.

Drivers Education - New drivers may be able to qualify for savings if they complete a drivers' education program. Such courses often require a combination of classroom instruction coupled with supervised time behind the wheel.

Good Grades - Teen drivers are often charged higher auto insurance rates because of their lack of experience behind the wheel and increased risk of being involved in an auto accident. According to data from the National Highway Traffic Safety Administration (NHTSA), teen drivers are at a higher crash risk than motorists in any other age group. But if your child gets good grades in school, there may be some relief. Many insurers offer a discount incentive to students who have high grade point averages on the notion that those who are conscientious about their grades will carry the same attitude towards driving.

Defensive Driving Course - There are also incentives for mature drivers, as well. In many states, drivers over the age of 55 can complete a course aimed at brushing up on their road skills. Those who complete a defensive driving course may be eligible for savings on their auto insurance.

Automobile Safety Features - Being a good, safe driver also means operating a safe vehicle. If you own a car with safety features such as air bags and anti-lock brakes, you may receive discounted coverage rates.

With a number of saving incentive opportunities, you'll want to inquire what your insurance company has available. The amount you will save and how you can qualify will vary from carrier to carrier.

Learn more about saving money on auto insurance with 21st Century Insurance and get an online auto insurance quote to see if you qualify for a safe driver discount.

It's easy to get a free auto insurance quote and even buy a policy if you like what you see - all online at


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