In car insurance advertisements, a "good driver" discount is often mentioned. As you shop for online auto insurance, you might be wondering if you qualify for this discount. Insurance companies often issue a good driver discount for various reasons. But keep in mind that being a good driver isn't the only detail your provider will consider. Here are some other factors they will consider.
When you submit your information for online auto insurance quotes, the insurance providers will consider a number of factors to determine your premium. They will examine your driving record, yes, but also your marital status, how far your commute is to work each day, where you live, what kind of car you drive, etc. So even if you have a good driving record with no negative marks against your license, other factors could possibly still cause your insurance quotes to be either higher or lower than expected.
Who is Considered to be a "Good Driver?"
Insurance companies generally consider a good driver to be someone that has had a driver's license for at least three years and also has no more than one "point" or violation against his driving record. A person is also considered a good driver if he has not been in any accidents, particularly an accident in which he was at fault. Also, the driver cannot have a conviction of DUI or DWI on his record for the last seven years. If this describes you, then you may qualify as a good driver with your insurance company.
A good driver discount can save you up to 20 percent on your premium. This could mean several hundred dollars in savings per year. Even more savings may be realized if you or someone else on your policy (such as a teenage daughter or son) has completed a defensive driving course. Discounts may also be given if your car has certain safety features or if you are a certain age.
A Note of Warning
If you have multiple drivers listed on your policy, such as your recently licensed teen, their driving record can affect your insurance quotes as well. Let's say your teen is a fairly new driver but has already received a couple of speeding tickets. This will likely cause your insurance rates to increase even if you are qualified as a good driver. Also, be careful when buying a new or used car for your teen. Sports cars are a definite insurance rate booster no matter the age of the driver...but especially for teens! Check your state to find out which cars are at high risk of theft, and avoid these types of cars as well.
Insurance companies consider all these factors when giving auto insurance quotes online. So the thing to remember is your driving history should be kept as clean as possible and you should do a little research on how car insurance works before obtaining free quotes online. When comparing online auto insurance quotes, be sure to include every possible detail that can result in a discount. Then select a few reputable providers for closer examination before making a final decision. You can lower your car insurance using these tips as long as you drive safely and avoid certain pitfalls when shopping for online auto insurance!
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About the Author
Chris Robertson is a published author of Majon International. All Rights Reserved. Copyright 2011 (Sat Mar 13 2010) Majon International. Majon International is one of the worlds MOST popular internet marketing and internet advertising companies on the web. Visit their main business resource internet marketing web site at: http://www.majon.com
