If you maintain a B average, however, you can qualify for savings as high as 25% in the form of a good-student discount. Geico, Farmers, Travelers, Nationwide, Liberty Mutualįor young drivers, rates are very high until you turn 25. State Farm, Allstate, Travelers, Liberty Mutual, Farmers, Nationwide State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual Whether your child is a good student or you served in the military, your personal profile can be key to saving a good amount on your car insurance. These are discounts that are based on the driver, just not on their driving habits. In order to qualify for this discount at certain companies, however, you may have to sign up for driver monitoring technology, which we discuss more below. The average person drives around 12,000 miles per year, but those who drive less than 7,500 can see some great discounts. Whenever you get a quote, insurers will ask about your average annual mileage. If you don't use your car often, you may qualify for a low mileage usage discount. Savings for low mileage and usage (varies, up to 20%) Companies like Progressive and Allstate usually monitor safe driving via their Snapshot and Drivewise programs, which we discuss more below.
We have seen insurers discounting liability and collision auto insurance premiums by about 10% and higher for these good driving habits.įor many insurers, safe and good-driver discounts are the same, with the exception of Geico and Allstate, which distinguish between the two and offer them as separate discounts. Safe driver discounts are given to motorists for conservative habits such as having all passengers wear seat belts, low driving speeds, less aggressive braking, etc. The definition of a "good driver" may change slightly across companies, so check with your agent for the details. If you do not qualify at signup, you can adjust your premium at the time of your next renewal if you have been accident-free for the required time. This discount is usually automatically applied. Companies like Allstate, Geico, State Farm and most others offer good-driver discounts if you have been accident-free for three to five years.