If you're a violation-free driver and don't have any tickets, accidents, or convictions, then you'll have a clean driving record in your state. Depending on the state, you can also have a clean driving record after violations are deleted from your record. For states that use a points-based system for violations, they may remain on their record for three to five years, depending on the status and severity of the violation. You can expect to get a discount for driving safely if you have a clean driving record and haven't had accidents for years.
Other common types of auto insurance discounts include discounts for full-time students in high school or college with good grades in all of their classes. A clean driving record can lower your car insurance rate because you're considered a lower-risk driver to insure. While each auto insurer offers a slightly different selection of auto insurance discounts, there are a few that can be commonly found across the industry. Geico is the only leading company that offers discounts on auto insurance for federal employees at Eagle level or higher.
From student insurance discounts and multiple policies to discounts for safe drivers, there are dozens of ways to save on your car insurance premium. USAA serves members of the military and their families, so it has a couple of unique discounts on auto insurance. The following sections provide detailed information on the different types of discounts offered by major auto insurance companies. Taking advantage of discounts on car insurance can often make the difference between cheap car insurance and overpriced premiums.
The Guides Auto team will explain the different types of auto insurance discounts available to drivers and ways to reduce car insurance rates. It's worth not only looking for car insurance, but also looking into the auto insurance discounts available to you. In addition to the car insurance discounts you qualify for, your rates are determined based on factors such as your driver profile, your credit score, the deductible you choose, and more. Many of the best auto insurance companies offer at least a dozen discount opportunities for drivers to take advantage of and ultimately lower their premiums.
People who are careful and drive very little often get the best discounts on usage-based auto insurance. Auto insurance discounts can help you save money, but it's also important to find coverage from a reputable provider.