Good Driver Discounts On Auto Insurance
What should you do if you are a good driver and deserve a discount on your current auto insurance coverage? I found this youtube video helpful to me and I wanted to share it with you guys. You know, sometimes its the super simple things in life that have the greatest impact. I think this guy hits the nail right on the head as to why to raise your deductible. I changed my policy that is for sure. Also got a free rate quote from this site and changed carriers to get another $200 discount. Try it.
Good Driver Insurance
Reader Question: I am looking for better auto insurance for my new car than my previous insurance coverage. I had Sta@@ Far@ insurance for years, but they seem to slowly but surely raise their rates over the years. I got a new car and they have once again raised my rate, so I am ready to shop around.
Stanley,
Boston MA
Stanley,
Good for you! Checking your auto insurance rates every 3 years is a great idea. This is a pretty common tactic for many agents, they slowly raise your premiums but the increase is so low that they know you will just put up with it. But over the years, so incremental increases really add up to a lot. Checking around will almost always result in lower rates….at least until year 3 until the new company starts to jack up your rate ever so slowly.
The zip code form above is for Comparison Market, they are a leader in comparison insurance shopping. They will compare 12 companies for you….instantly, and for free…and there is no obligation to do anything. Once you see the results, which you will online, you can select each carrier and learn more about their offer and the coverage they are offering you and of course the price.
Honestly, this is the fastest and easiest way to shop around for car insurance. Try it now…and post your comments after you get the rate quote. We want your feedback!
Good Driver Car Insurance For Married Couples?
Reader Question: Is it true that married couples will get a lower rate on their car insurance than non married people?
Yes, usually that statement is true. It is a good idea to put your spouse as a named safe driver on your car insurance policy. Many auto insurance providers offer discounts when a spouse is added as a named good driver as opposed to unmarried couples, as they tend to see marriage as a sign of stability.
In some cases you could be eligible for a big discount. Often the expected savings is around 15-25% on your annual insurance premiums by doing this. Hope that helps……now get married!
Justin
Good Driver Car Insurance Rates For Limited Use Vehicles?
Reader Question: What can I do to easily lower my car insurance rate. I am a good driver and drive very short distances. I hear this phrase “limited use vehicle” mentioned…..do I qualify for that?
Frank
So you are a good driver huh? One way to lower your car insurance rate would be to lower your annual mileage you put on your vehicle. This is commonly refered to as a “limited use vehicle” meaning you only drive this vehicle short distances on a limited time basis. Maybe you only go to and from your work…which happens to only be 5 miles away from your home.
Lowering your annual mileage will lower your premiums drastically. Often, auto insurance providers will base their rate quote on the driver driving 12,000 miles a year.
if you really are a safe driver like you say you are, I would work out how many mile’s you will actually drive each month contact your insurance company about a “good driver” insurance discount and the fact that you fit into the limited use vehicle category. If they really want your business they will fight for it.
Clair
Safe Driver Auto Insurance Tip
I found this video on Youtube……..while WORKING at WORK….hahahahahha…..ok NOT. Since this is a website about safe driver auto insurance I feel it was only fitting to show this pretty interesting and educational video to help you become a safe driver on the roads I AM ALSO DRIVING ON!!! haha
Do You Qualify for Good Driver Car Insurance?
I just wonder how many people on the road today are “Good driver”? This video just proves how many idiots are on the road with ME………ouch.
Do you drive as bad as this person does? Does your car insurance company think YOU are a safe good driver…….you fooled them huh?
Are You a Safe Driver? Find Out Now
This is an interesting video that really has some great points about safe driving habits. How safe a driver are you ……..really? Do you follow the car in front of you too closely? I know I am guilty of that sometimes……ok ok ok ok ok….most times.
First Time Driver Video For Girl Drivers
This video was pretty funny…..but boy is it needed for silly girl drivers like this. I can only imagine what these girls are really like behind the wheel of a car. Can these girls really get car insurance? Oh man……I guess they will insure anyone for a price.
Safe Driver Auto Insurance Discount? Funny Video
I need your help here……I was wondering if this is what “safe driver discount” is all about? These guys are obviously on to something FUN….although probably not what you or I would call safe driving…..it does look like a lot of fun though. What does it take to get a safe driver discount from an auto insurance company?
Safe driver insurance plan for avoiding speeding tickets
Reader question:
I got pulled over for speeding the other night, but lucky for me, I got off the hook. I’m scared now, though, because if it happens again then I’m sure to get a ticket and I don’t want to see my rates go up. How do I avoid this?
Jose
Don’t speed!
It seems like it should be as simple as that, but there’s some kind of human urge to be going at a certain pace. It isn’t even consistent. Sometimes, I feel like I’m going too fast at thirty five. Other times like I’m just inching along at forty five. It really depends, and it’s something that you have to learn to control. I suggest that you come up with a safe driver insurance plan to help you avoid bad situations where you might end up speeding. And never allow yourself an excuse to speed.
One of the best ways to avoid speeding doesn’t even necessarily involve you going at or below the speed limit. It’s called being aware of your surroundings. If there are several cars around you going sixty, then you can reasonably go fifty and not risk at all getting pulled over. Keeping an eye on how traffic is behaving is one of the best skills for both avoiding speeding tickets and keeping yourself from getting into a car wreck. Knowing what the other cars might do allows you to compensate for them.
Most of the time, the thing that will get a police officer’s attention is you being obnoxious driving. One time, I got a ticket for having expired registration because I happened to pull up at a stop light behind a cop car and then try and pull away in a very awkward and suspicious manner. If I had just sat there until the light turned green and then casually changed lanes, he probably never would have even looked. Keep this principle in mind when you feel the need to go over the speed limit. Only do what the others around you are doing, because you cant be caught out if they’re all speeding.
Cheers,
Fashun Guadarrama.
Safe Driver Insurance Plan
Reader question:
I want to be a good driver and keep my driving record clean so that I can continue getting good rates on my car insurance and possibly a discount. Any tips for this?
Marilyn
Sure, why not?
I think it’s really great that you’re trying to watch how you drive and keep your record clean. Many people don’t understand that safe driving is actually a huge factor in car insurance rates. They understand to some degree, but only to the point where they know that their rates will be affected if they happen to get into an accident. Few consider the fact that, even if you don’t have any accidents on your record or even any dents on your car, getting a speeding ticket or a drunk driving charge can make your car insurance rates skyrocket.
The best way to avoid this is to make a sort of plan for yourself, what I like to call the Safe Driver Insurance Plan. There’s nothing official about it, it’s just sort of a list of things that you promise to yourself to do so that you can both protect yourself, your car, and your low auto insurance rates. It’s really easy to mess up and watch your rates go up high in a company that doesn’t have forgiveness. It’s also really easy to avoid situations that might send your rates up.
I suggest that any driver that doesn’t want to see any increase in their car insurance rates in the future draw up a plan with themselves that takes into account all of the main factors of rising insurance costs, not the least of which is sticking with only one company and refusing to check other quotes in case something has changed and somebody else is offering a better deal than they are.
The main things that you should focus on are defensive driving for in case you get into a situation that might lead to an accident, and to avoid getting into those situations; adhering to the law, and that means no speeding, even if you are late for work; keeping your car up to date with the latest safety equipment. You might also want to take a driver’s ed course to brush up on your knowledge and get a discount.
Cheers,
Fashun Guadarrama.
Safe Driver Insurance Discounts For SUVs?
Reader question:
Do sports utility vehicles get the safe car discount?
Greg
Um. No
It’s true that SUVs might be safe for the person that’s driving them. After all, they’re big and strong, and most of the newest ones come with plenty of safety features, enough to make any car insurance company happy. However, your company can’t just think about you when it’s deciding on rates for safe driver insurance plans. If you get into an accident in which you are at fault, then the other driver in the situation is going to come after them for a claim payment, and that’s where the safety of your SUV ends.
SUVs can protect their passengers very well, but they wreak havoc on other cars. A lot of this has to do with their size. However, this isn’t the only thing involved. A critical factor in the results of a collision with an SUV is the SUV’s bumper. The reason that the bumper can cause problems is because it is on a different level than are the bumpers of smaller cars. Bumpers exist so that they an take the brunt of an impact in a head on collision with another car. However, in the case of a crash between an SUV and a compact car, the SUVs bumper isn’t going to touch the other car’s bumper–instead, it will be aimed towards the window where the passengers and driver are, causing more damage to the vehicle and more of a chance of injury and loss of life to the people.
SUV bumpers are put on them mainly for show, as they have no real protective qualities. Even if a truck and an SUV got into a crash with each other, the bumper would just collapse because it doesn’t have enough power behind it to absorb the force of the other vehicle.
Getting in SUV will mean that you pay more for your insurance premium, not less. SUVs are considered part of the higher risk pool of cars, even if they do well on safety crash tests. If you want to buy this kind of car, don’t expect to get a safe driver insurance plan. Expect to pay.
Cheers,
Fashun Guadarrama.
Auto Insurance Good Driver Discounts
Reader’s Question:
Will I save money on my auto insurance if I get married?
Hanna
Boston, MA
Yes, it may be possible to save money on your auto insurance premiums in if you get married. If both of you are good drivers meaning you both have good driving records, it could help lower your rates. Insurance providers generally find married couples safer than single individuals.
The Division of Insurance in Massachusetts for instance, lists a 5% discount can be applied to the premium paid for compulsory coverage and, if selected, optional coverages if a married couple own two or more motor vehicles insured by the same insurer. Usually, this is known as a multi-car discount.
Cheap Good Driver Insurance Rates?
Hey there everyone, I just wanted to get some feedback from people who have gotten great rates on auto insurance and who have a good driving record like I do. Any recos?
Dan
Hey Dan,
I have gotten a rate of $588 annually for liability only auto insurance on my car. I am 50 and have a clean record. I got my policy with help from this site and The General. Amica also has great rates so I am told.
Cheap Automotive Insurance Rates
Reader’s Question:
I was given speeding tickets in Wyoming last year and in Montana last month. Will these violations appear in my Washington driving record? Is this going to affect my automotive insurance rate?
Louie
East Seattle, WA
Like Washington State, Wyoming and Montana are also members of the Driver License Compact (DLC). Therefore, whatever violation you commit in those states will be relayed to the Washington Department of Licensing (WA DOL) Office and would eventually appear in your Washington driver’s record. Under 46.21.010 of the Washington Revised Code, it is stated that the licensing authority of DLC shall report all convictions and violations made in another DLC member state to the licensee’s home state. This report shall state clearly the violation, the action/s taken, and the plea for guilty or not guilty.
Since all your traffic violations in your home state and in other DLC member states are recorded in your MVR, then your automotive insurance policy carrier will definitely see them once they decide to pull your record. Typically, automotive insurance companies base their policy rate computations on different factors. However, it is common practice to use the driver’s record as one of the bases, too. This rating procedure is acknowledged, though not mandated, by the state’s laws. Therefore, with your MVR in their hands, it is possible that your automotive insurance rates will go up once your driving history has been factored in.
If you need to find out if the speeding tickets you got from Wyoming and Montana would affect your policy rates, ask your automotive insurance agent for their rating system.
Very Cheap Auto Insurance Coverage
Reader’s Question:
I heard from my friend that here in Arizona no matter what type of auto insurance coverage I have, if my windshield is broken, it would be replaced by my insurer. The reason is because auto insurance companies are required to do that. Is this true?
Tiffany
North Pinal, AZ
The state of Arizona has a financial responsibility law. This is created to make sure that in an event of a vehicular accident, the person/s involved has/have sufficient money to pay for the damage/s. The required auto insurance coverages are bodily injury coverage and property damage coverage.
Going back to your question, damage on the windshield would fall under full class coverage or comprehensive coverage. Both auto insurance policies are optional in the state of Arizona. Hence, with this, auto insurance companies are NOT required to cover for windshield damage, regardless whether you have those coverages or not. Auto insurance company can only pay for those damages if a policyholder has full class coverage or comprehensive coverage.
For more information about auto insurance coverage, ask your auto insurance agent in Arizona. If you are looking for auto insurance quotes, feel free to use the websites.
Budget Car Insurance For Good Drivers
Reader’s Question:
I’m planning on purchasing a new car here in Oklahoma, but am a bit tight on the budget. Do I really need to get auto insurance or can I choose to just get insurance some other time?
Marge
Norman, OK
All car owners in Oklahoma are legally required to also purchase auto insurance when they buy new cars. Proof of auto insurance is, in fact, the very first thing they will look for when you register your newly purchased car with DMV.
The state’s mandatory auto insurance policy ensures that damages arising from vehicular accidents are adequately covered. Such damages may only be minimal in some instances but in most cases, the costs arising from vehicular accidents are quite heavy.
Your personal liability for damages arising from accidents attaches when it is determined that your negligence caused the accident. In the absence of adequate insurance coverage, you may find yourself emptying your bank account especially when the damage is extensive. If you do not have sufficient funds to cover the damage, you may find yourself in an even tighter situation wherein the other person may file damages against you in court, thereby leading to additional litigation costs on top of the actual damage incurred. If you’re worried about insurance costs, though, there are several affordable insurance options that you can look into that may fit your tight budget. Most insurance companies offer comparisons and quotes for auto insurance via the web and you can even buy budget car insurance online.
Good Driver Car Insurance Coverage
Reader’s Question:
My friend is asking me to loan my car to her because her car is in the repair shop. What I would like to know is if she’s involved in a car accident, whose auto insurance coverage would pay for the damage? Would it be mine or hers? We are both from St. Paul, Minnesota.
Tatiana
St. Paul, MN
With your question, I am assuming that your friend has her own auto insurance policy. If that is the case, in an event that she is involved in a car accident using your own vehicle it her own car insurance policy that would cover for her injuries. However, the case is different though if she doesn’t have car insurance policy. If that is the scenario then, according to the Minnesota Department of Commerce the “basic economic loss benefits” will be covered by your car insurance company.
As to the damage incurred on the vehicle, it will be paid by your own auto insurance company. This is depending though if you have collision and comprehensive policies. For other cases, it might also be covered by the car insurance policy of the other vehicle.
For more information, do check the information on your auto insurance policy. Also you could ask your car insurance agent in St. Paul, Minnesota.
Cheap Teen Car Insurance Rates?
Reader’s Question:
I am a 16-year old driver turning 17. My dad is planning to buy me a new car as a Christmas gift. I heard that car is one of the factors in getting lower auto insurance premium. What are the cars that are cheap to insure in Santa Ana, California? I just wanna make sure that my dad’s car insurance rate would be affordable that’s why it’s ok for me if he’s gonna buy me an inexpensive car.
Dante
Santa Ana, CA
That’s nice to hear Dante.
It’s true that the more expensive your car is the more expensive the auto insurance premium would be. To answer your question, according to vehicle retailers, the following are considered to be inexpensive to insure for the first 5 years of ownership:
- Chrysler PT Cruiser 4dr Wagon
- GMC Safari SLE AWD 3dr Minivan
- Dodge Caravan SE 4dr Minivan
- Saturn ION 1 4dr Sedan
- Pontiac Sunfire 2dr Coupe
- Jeep Liberty Sport 4WD 4dr SUV
- Saturn L300 1 4dr Sedan
- Volvo S40 4dr Sedan
- Saab 38600 Linear 2.3t 4dr SportWagon
- Buick Century Special Edition 4dr Sedan
Remember that aside from the car you are driving, there are still several factors that affect auto insurance rate in Santa Ana, California. For more information about factors that cause auto insurance premium to go up or down, don’t forget to ask your car insurance agent. Happy car shopping!
GAP Auto Insurance Coverage
Reader’s Question:
For some misfortune event, I was involved in a car accident last week. It was my first ever car accident in my entire life. What’s even worse is that it was a hit and run. It was totally not my fault. I have comprehensive coverage on that vehicle. However, I don’t have collision. Will my GAP coverage be able to pay for the damage on my vehicle? I am from Sioux Falls, South Dakota.
Val
Sioux Falls, SD
This is really a very unfortunate event in your life and I’m really sorry to hear what had happened to you.
I am assuming that the reason why you’re asking that is because your primary auto insurance did not cover for the damages incurred on your vehicle. If that is the case with you, then you GAP insurance would not be able to pay for the damages also.
For a GAP auto insurance to cover you, your primary auto insurance company should pay for the actual cash value (ACV) of your car first. However, since you’ve already mentioned you don’t have collision coverage then, it’s only expected that you insurer would not pay for your claims. Because, this kind of accident falls under the collision coverage.
For more information about auto insurance claims, feel free to ask your auto insurance agent in Sioux Falls, South Dakota.
Compare Senior Auto Insurance Rates
Reader’s Question:
Is it true that getting auto insurance for a 55-year-old person is more expensive as compared if you are only around 35 years old? I heard this from a friend. What does age has to do with auto insurance rate? Can you explain this? I am from Manchester, New Hampshire.
Dave
Manchester, NH
Every auto insurance company differs from each other. They have their own guidelines in setting auto insurance rate for a particular person.
Some car insurance companies do consider a person who is 55 years old as a safe age. Meaning a person from that age group still poses a lower risk to be insured. Thus, it is still inexpensive to insure a person from that age range. However, some auto insurance companies believe that a person who is 55 years old or above poses higher risk. That is because some auto insurance companies believe that a person’s ability to drive safely decreases as a person ages.
I would suggest asking your auto insurance agent about how age affects a person’s auto insurance rate in Manchester, New Hampshire. Also, bear in mind that auto insurance rate is not based in age alone. There are a lot of factors that insurers consider and one of them is driving record. I would suggest keeping a clean driving record at all times is one sure way of saving on your car insurance premium.
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