All About Good Driver Insurance
Yes, it's true. Drivers with good records will pay less premium than reckless or careless drivers. Insurance companies want to insure drivers that have clean driving records. That is why some companies have discounts to encourage good driving habits.
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Good citizens get good insurance rates
In fact, some companies give discounts for drivers that are also good citizens. A study done by the Federal Trade Commission confirmed that credit scores effectively predict the number and total cost of claims made by consumers (http://www.ftc.gov/opa/2007/07/facta.shtm). Because insurance companies know this, they often rely on credit scores to help determine insurance rates. Therefore, citizens that maintain good buying and spending habits are often rewarded a financial responsibility discount.
Here are more discounts that good citizens may qualify to have:
- Good student: for high school and college age young people that retain a specific grade point average, typically 3.0 or higher
- Alcohol and Drug credit: some companies offer incentives like this one to encourage you to learn more about safe driving
- Driver's education: for students that have taken a driver's education course. In Texas, this course can be taught by a parent and still qualify
- Defensive driving course: this is another discount that some companies offer to better educate individuals about driving safety. You can find these courses on the Internet or even at a local video store, such as Blockbuster.
- Prior insurance coverage: this discount is given to encourage drivers to keep their auto policies in force at all times. Lapses in coverage can have a tremendous negative impact on premium.
- Payment option plans: Some companies will give discounts for individuals that pay the full premium of their policies all at once. Others may give discounts for using an electronic funds transfer to pay your insurance bill.
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