Maintaining a spotless driving record is a plus to your wallet. Not only does it keep your insurance premiums low, but, depending on your carrier, it could also earn you a safe driver discount (some providers refer to it as a good driver discount). Massachusetts has even mandated safe driver discounts into law, under the Safe Driver Insurance Plan.
Good Driver Incentives
Each carrier adheres to a different incentive policy, based on your driving record. Some carriers, for instance, offer a 2% discount for every year you avoid an at-fault accident, topping out at 20%.
Others gauge safe driving discounts on driving records over three- and five-year increments, rewarding modest discounts for three consecutive years of safe driving, and maximum discounts (usually 20%) for five straight years of exemplary driving.
Qualifying for Good Driver Discounts
When determining if you qualify, keep in mind that each carrier has a different definition for safe driving. For some it means avoiding at-fault accidents, and for others it means having a record free of at-fault collisions and traffic violations like speeding, reckless driving, and DUI/DWI.
If you own a driving record checkered with violations, all hope for this discount is not lost. Some carriers will grant you safe driver status even if you've had a DUI/DWI conviction. But to qualify you must show proof of a spotless driving record for an extended period of time, usually at or around 10 years. This again, however, varies with each carrier.
If you have questions regarding this discount, contact us your local insurance agency "All Access Insurance!"