{"id":6365,"date":"2024-11-08T07:36:16","date_gmt":"2024-11-08T15:36:16","guid":{"rendered":"\/wp-site\/?p=6365"},"modified":"2025-03-24T13:44:00","modified_gmt":"2025-03-24T20:44:00","slug":"safe-driver-discount","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/safe-driver-discount\/","title":{"rendered":"Safe Driver Discounts: What to Know"},"content":{"rendered":"\n<p>A safe driver discount is a type of <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discount<\/a> that lowers the premium for drivers who practice low-risk driving behavior. Other common names for this discount type are \u201cgood driver\u201d or \u201cclaims-free\u201d discount.<\/p>\n\n\n\n<p>Many <a href=\"\/car-insurance\/\">car insurance<\/a> companies offer a safe driver discount. You may qualify for one by going accident-free for several years, opting into a tracking telematics program or passing a defensive driving course.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-get-a-safe-driving-discount\">How to get a safe driving discount<\/h2>\n\n\n\n<p>Safe driving discounts usually offer a percentage off your auto insurance premium, and insurers typically check your driving history to see if you qualify for one.<\/p>\n\n\n\n<p>You may be eligible for a safe driving discount if you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Have a clean driving record. <\/strong>Many companies offer a discount if you have no accidents or violations on your driving record within the last three to five years.<\/li>\n\n\n\n<li><strong>Install a telematics app on your phone.<\/strong> You may save on your premium if you install a <a href=\"\/car-insurance\/what-is-telematics\/\">telematics<\/a> app on your phone and avoid bad habits on the road like late-night driving, hard breaking and using your phone.<\/li>\n\n\n\n<li><strong>Take a defensive driving course.<\/strong> You may get a discount if you complete an approved defensive driving course, though some states limit this type of discount to teenagers or drivers over the age of 65.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How a clean driving record is determined<\/h3>\n\n\n\n<p>You\u2019ll likely qualify for a safe-driving discount \u2014&nbsp;and a lower premium in general \u2014 if you have a clean driving record. This means your <a href=\"\/car-insurance\/what-is-a-motor-vehicle-report\/\">motor vehicle report<\/a> doesn\u2019t include things like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/at-fault-accident\/\">At-fault accidents<\/a>.<\/li>\n\n\n\n<li>Violations.<\/li>\n\n\n\n<li>Traffic-related convictions.<\/li>\n<\/ul>\n\n\n\n<p>You can get a copy of your driving record from your local Department of Motor Vehicles (DMV).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safe-driver-discounts-from-insurers\">Safe driver discounts from major insurers<\/h2>\n\n\n\n<p>Most big-name insurers offer safe driver discounts. Here are some major car insurance companies that offer safe driver discounts and programs. Discounts may not be available in all states.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Company<\/strong><\/th><th><strong>Safe driver discount available<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/reviews\/car-insurance\/allstate\/\">Allstate<\/a><\/td><td>Offers a rewards program for safe drivers.<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/geico\/\">Geico<\/a><\/td><td>Discount for drivers who have at least five years of safe driving. Also offers a discount for taking a defensive driving course.<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/kemper\/\">Kemper<\/a><\/td><td>Discount for taking a qualifying defensive driving course.<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/nationwide\/\">Nationwide<\/a><\/td><td>Discount for drivers who have at least five years of safe driving.<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/progressive\/\">Progressive<\/a><\/td><td>Discount for avoiding tickets and accidents in the last three years.<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/travelers\/\">Travelers<\/a><\/td><td>Discount for drivers who have gone a certain amount of time without any violations or accidents.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-be-a-safe-driver\">How to be a safe driver<\/h2>\n\n\n\n<p>Practice safe driving habits to keep your good driver discount and avoid accidents. Here are some tips to keep a driving record clean.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Go the speed limit. <\/strong>Driving too fast may increase your chance of getting into a serious accident.<\/li>\n\n\n\n<li><strong>Brake early and gently. <\/strong>Not only is harsh braking tough on your vehicle, but it may increase your chances of an accident.<\/li>\n\n\n\n<li><strong>Stay focused. <\/strong>Distracted drivers caused more than 3,300 fatal crashes in 2022, according to <a href=\"https:\/\/www.nhtsa.gov\/risky-driving\/distracted-driving\" target=\"_blank\" rel=\"noreferrer noopener\">data from the National Highway Traffic Safety Administration<\/a>. To avoid distracted driving, use your device\u2019s hands-free features, or wait until you\u2019re safely parked before you use your phone or other device.<\/li>\n\n\n\n<li><strong>Avoid late-night driving. <\/strong>Don\u2019t drive when you\u2019re tired, as drowsy driving can lead to an accident. Plus, roads are more dangerous at night.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You may get a safe driver discount on your car insurance if you have a clean driving record.<\/p>\n","protected":false},"author":19,"featured_media":55710,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"375\",\"type\":\"editor\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"You may get a safe driver discount on your car insurance if you have a clean driving record.","jerry_related_posts":"[16541,22777,27343,35878,35377]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,68,166,227,538],"class_list":["post-6365","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-insurance-discounts","tag-driving-record","tag-insurance-discounts","tag-safe-driver-discount"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6365","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=6365"}],"version-history":[{"count":9,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6365\/revisions"}],"predecessor-version":[{"id":56253,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/6365\/revisions\/56253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/55710"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=6365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=6365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=6365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}