Are there discounts for good drivers?
Driver safety is essential for a comfortable and safe driving experience. Many major auto insurers offer discounts for drivers who have participated in driver and safety courses to help them stay ahead of the curve. As new technologies, such as automated emergency braking and lane departure warning systems, become more widely available, insurers are searching for ways to reward drivers who are aware of the latest safety measures.
For many insurers, the practice of providing discounts for good drivers is expected to continue. After all, responsible drivers pose less of a risk to the insurer's bottom line, as they tend to get into fewer accidents, and rarely if ever file claims. In effect, this helps to make auto insurance more affordable for everyone.
One way for drivers to take advantage of this is to become certified in a defensive driving course. By taking the time to learn the rules of the road, defensive drivers become more aware of their surroundings, and, as a result, are less likely to be involved in accidents. In addition, many of these courses offer discounts on certain types of coverage, such as e-commerce. With a significant portion of online payments now being made by swiping credit and debit cards, companies are now more likely to offer discounts for safe drivers who are certified in a defensive driving course.
In addition to defensive driving classes, many insurers also offer discounts for those who complete driving courses, such as those offered by AAA. By taking such courses, drivers will gain a more comprehensive understanding of the ins and outs of driving in different conditions, such as rain, snow, and ice. The completion of these courses will also help drivers become more aware of their surroundings and, in turn, be better prepared for any potential hazards.
There are also discounts available for those who purchase additional coverage beyond the liability insurance that comes with a basic policy. By purchasing items like uninsured motorist coverage or roadside assistance, drivers will be eligible for lower premiums. In some cases, selecting the better coverage can actually help to offset the cost of the additional premium.
In order to qualify for a discount, drivers should make sure to comparison shop, and be sure to inquire about any special deals or discounts an insurer might offer. Most insurers will have a checklist available in which drivers can review what kind of driving track record they've had in the past, as well as any additional training they may have taken in the past. Drivers should also use the same checklist to compare different insurers and determine which one is offering the best deal.
Ultimately, there are discounts available for responsible drivers. Taking defensive driving courses or signing up for additional coverage can help drivers qualify for discounts, and as a result save money on their premiums. Drivers looking to save money should make sure to review the discounts offered by each insurer before choosing a policy, and be sure to compare rates and benefits offered by each provider in order to get the best deal.