If you currently have an auto insurance policy, make sure you’re getting the good driver discount (assuming you’re a good driver).
The “Good Driver discount” will save you a substantial amount of money (typically 20%) over the course of the year, and it doesn’t take much to qualify.
To be considered a good driver with most carriers, all drivers of the insured vehicle must have been licensed to drive for the past three years and must have maintained a clean driving record during that time.
That means no major convictions, no more than one minor conviction, and no at-fault accidents resulting in bodily injury or death or an at-fault accident involving property damage that resulted in a 1 point minor conviction.
Additionally, all drivers must not have been convicted of driving under the influence in the past 10 years.
Remember, these infractions stick with you for a long time, so it’s important to drive carefully and responsibly.
If you’re unsure if you’re eligible for the good driver discount, contact your insurance company or insurance agent for more information.
Note that these are general rules for the good driver discount, and they may vary by carrier.
Tip: It’s important to inquire about discounts because they aren’t always automatically applied, and many often get overlooked if you don’t speak up.