Good drivers are at a clear advantage when shopping around for automobile insurance. Insurance agents want to write policies on drivers who are a good risk for them. Good drivers have a desirable driving record and history. Your record can land you lower insurance premiums.
Shop Around – Whenever it is time to renew your insurance, shop around. Get quotes from multiple sources and comparison shop. You are at an advantage over poor drivers in that you can get insurance companies to offer you lower rates, or you can move on to someone who will offer them. Your driving record will demand lower pricing.
Safety Pays – Driving a car with safety features like airbags, anti-lock brakes and theft deterrents will help keep your insurance premiums at their lowest. A safe driving record coupled with a safety-equipped vehicle will help keep your rates even lower.
Go It Alone – If at all possible, avoid adding high risk drivers to your policy. Teenagers, those who have just gotten licensed, poor drivers and those with traffic violations will make your premium increase even though you are a good driver. Adding a spouse may be mandatory for you, as could adding a teen driver; you should find out from your agent if you can exclude high risk drivers from your policy. This would probably preclude them from driving your vehicle at any time if this option is available to you.
Consider Sticking – While shopping around is always a good idea, you should talk with your agent to find out what their policy is for good drivers. Many insurance companies offer incentives for long-time customers who continue to have good driving records, receive no traffic violations, avoid collisions and have no claims on their policies. Some will give you a decrease in premiums. Others will offer lowered deductibles. Don’t assume you automatically get the savings you deserve; talk with your agent and find out all the details on their incentives.
Do what you can to avoid collisions and accidents. Drive the speed limit so as to avoid traffic tickets and always wear your seatbelt. Don’t drink and drive and be hyper vigilant in inclement weather. Being a good driver is an ongoing process that requires your diligence and attention. You don’t want to allow anything to happen that would affect your insurance rates. Even a collision that is found to be someone else’s fault can still impact your rates. The best tip for good drivers looking at car insurance? Keep doing what you are doing.
“Good Driver Insurance,” AutoandHomeInsurance.org.
“Online Auto Insurance – How to Qualify for Good Driver Rates”, Ezinearticles.com.