Good Driving Record Discounts, Explained

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A clean driving record proves to car insurance companies that you are a low-risk driver, so providers will often offer
to drivers with clean records.
There are also things you can do on top of having a
clean record
to reduce your rates even further. Here are some ways to get cheap car insurance if you have a clean driving record.
And if you want to comparison shop for car
to get the best discounts and rates for your coverage needs, give
a try.
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Clean driving record discounts

Good driver discount: Most car insurance providers will give a good driver discount to those who have no at-fault
accidents, moving violations, and
for at least three years. They will often check your driving record to determine if you qualify for this discount.
Other car insurance companies give good driver discounts by dropping their customers' rates after one year without an at-fault accident or citation for a moving violation. They might drop the rates even more after additional years of good driving. It just depends on the car insurance provider.
Claim-free discounts: A car insurance company may offer a claim-free discount program instead of the good driver discount. Most car insurance providers offer one or the other, and there is a slight difference.
A claim-free discount is given to a driver who hasn’t
filed a claim
for a certain period of time because they haven't been involved in a collision.

Other ways to get additional discounts

Take a driver's training course: Most car insurance providers give a discount to drivers with a
clean driving record who have also completed a driver’s training course. This could be the driver’s education course that is taken before you get a license or a
defensive driver’s course
that you can take after you have your license.
Install a driving-habit tracking device: A usage-based discount is given to people who prove that they are good drivers with the use of a device that records their driving habits. The device will track how fast you drive, how hard you hit the brakes, and when you drive to determine if you are driving at night.
Some car insurance providers, like Progressive, have a device that you plug into your car. Other insurance companies provide an app that you download onto your smartphone.
Don’t just buy a car insurance policy from the first insurance company that offers you a discount for your good driving habits. Be prepared to give car insurance companies information like your car’s make, model, and year.
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