How To Qualify for Safe Driver Auto Insurance Discounts
Anyone who owns or operates an automobile knows that the cost of auto insurance these days represents a sizeable portion of their annual automotive expense budget. But did you know that many insurance companies offer safe driver auto insurance discounts and there are a number of ways you can qualify in order to save as much as 10 to 20% off your next auto insurance policy premium.
Sterling Driving Record Merits Safe Driver Discount
If your driving record has been accident free within the past three to five years, with no auto insurance claims made by you or against you, you can usually ask your insurance company about applying for a safe driver discount that can put more money back into your wallet. In addition, your driving record with the state Department of Motor Vehicles must be free from any driving violations as well, such as tickets for reckless driving, speeding, or driving under the influence of alcohol or drugs.
Safe Driver Discount for Newbie Drivers
Young people who are driving for the first time can often qualify for a safe driver discount if they show proof that they have successfully completed a driver education course showing that they know the rules of the road as well as what safe driving habits they should practice on the road. Drivers of any age, and especially drivers after the age of 55, can often qualify for a safe driver auto insurance discount by successfully passing an official NSC Defensive Driving Course offered on line. This requires that the driver pay a modest fee, usually less than $20, to take the course which requires 4 to 5 hours of their time and can be completed over the course of several days’ time.
Car Safety Features Can Qualify You as a Safe Driver
You can also qualify for a safe driver auto insurance discount by driving a car that is equipped as fully as possible with a variety of safety features. If you can prove that the vehicle you want coverage for has air bags and anti-lock brakes installed or if your vehicle comes equipped with any type of anti-theft device, this usually qualifies you to receive a safe driver auto insurance discount.
The amount of the discount offered to those customers that insurance companies consider “safe drivers” varies from one company to the next, so it pays to compare what several different insurance carriers are offering. How much you drive, where your car is parked on a daily basis, where you live and whether you are insuring more than one car can also affect the amount of safe driver discounts that are applied to your basic insurance premium.