Safe Driving Saves Money on Your Automobile Insurance

July 18, 2025||inPersonal Insurance|auto insurance, car insurance, driving safety, good driving habits, personal insurance, road safety, safety

For better or worse, your automobile insurance premium is a direct result of your driving record. This amount is determined by the insurance company to cover the costs of insuring you and your family as drivers on the road.

Keep reading to learn how maintaining a safe driving record can lower your premium, and—as a result—protect your wallet.

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How Safe Driving Lowers Your Premium

  • Before giving you a premium price quote for your automobile coverage, insurance companies look at your driving record for the last three to five years.
  • Your driving record reveals how risky you would be as an insured.
  • Those with lots of tickets and/or accidents are considered more of a potential liability because statistically, they will get into more accidents and have more tickets in the future.

How Safe Driving Protects Your Wallet

  • If you have no accidents or tickets (especially moving violations) on your record recently, you may be eligible for a lower premium rate.
  • You may also be eligible for a significant discount after several years of good driving.
  • You may also be eligible for an accident forgiveness program if you’ve gone several years without an accident on your record.

What Safe Driving Can Do for Your Deductible

A good driving record can also reduce your deductible. For each year that you go without an accident or ticket, you may be eligible to do away with your deductible completely. This is extremely beneficial for those who elect a higher deductible in exchange for smaller premiums.

In the end, while you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. By maintaining a clean driving record, you’re not only reducing your risk but also opening the door to lower premiums, deductible rewards, and long-term savings. Every time you choose to drive responsibly, you’re making an investment in your future—and your wallet will thank you for it.

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