Saving money on auto insurance is everyone’s goal. Many car insurance companies offer discounts and rewards programs to keep costs low.
To save the most, drivers need to take every step possible to drive safely. Ask your car insurance provider about these discounts. Then, maintain a clear driving record to keep costs low.
Why Do Insurance Agencies Offer Discounts for Safe Driving?
Safe drivers are less likely to be in a car accident. They are also less likely to have speeding tickets or reckless driving charges. To the insurer, this means they are less likely to have to pay a claim for the driver.
For example, a driver that speeds is more likely to be in a car accident, damaging another person’s vehicle. The claim for damage may be thousands of dollars.
Auto insurance providers assign a cost to insurance plans based on risk. If a driver is more likely to have points on their license or be in accidents, their risk is high. If you are a high-risk driver, you will pay more for car insurance. Drivers form habits. Those who are high risk tend to remain that way. Those who are low risk are less likely to file claims over the long term.
Safe Driver Discounts
As a reward for driving in a safe manner, insurers might offer safe driver or good driver discounts. This can help reduce your costs by 10 or more percent. To qualify, the driver needs to be accident-free or claim-free for a certain number of years.
Maintaining a clean driving record without any moving violations is also important. Violations such as DUIs, reckless driving, and speeding make you a high-risk driver.
Other discounts may be available.
- Usage-based discounts apply to those who do not use their vehicle often.
- Claim-free discounts apply to those who do not file claims for a certain amount of time.
- Defensive driving discounts apply to those who take specific driving courses. These courses can improve your skill.
Anyone who has auto insurance wants to save money. Being a safe, low-risk driver is the best way to do that. Work with your car insurance provider to find out which discounts you qualify for right now. Then, work on improving your driving record to qualify for additional savings opportunities. Each insurer’s offers differ. Be sure to check with your insurer about the specific details of your plan. Savings options are available.
We've got you covered. Mitchell & Mitchell Insurance Agency, Inc. can help you get a Sacramento auto insurance policy that will meet your financial needs. Call us at (888) 512-8878 for more information.