Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • To get a break on your car insurance and qualify for a good driver discount, you must have a clean record first and foremost
  • Being a better driver means fewer claims for them and more money in your pocket, so these classes are often worth the cost
  • Car insurance companies rate younger, more inexperienced drivers as a higher risk

Good Driver discounts are awarded to car insurance customers that maintain certain standards with their driving and vehicle care.

Read below to learn how you can receive a good driver discount, the benefits of being a good driver, and how to increase your chances of securing a good driver discount.

Enter your zip code above to get FREE car insurance quotes today!

What is the good driver discount?

A good driver discount is a price break that a driver receives on their car insurance for being a good driver.

Good driver discounts are one of the most popular specialty discounts that insurers offer and depending on your auto insurance provider the terms on your excellent driver discount may change.

Some insurers offer a more rewarding good driver discount; it just depends on which company you sign up with.

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What factors qualify me as a good driver?

Common variables for determining whether you qualify for a good driver discount include your age, experience, driving record and more.

When you apply for car insurance, or your driving situation changes, such as changing vehicles or getting in an accident or racking up speeding tickets auto insurance companies may raise or lower your premium, or monthly payment accordingly.

When you go a certain period without a car accident or speeding violation you save the company money because they do not have to pay out any money on claims.

The car insurance company, in turn, discounts your coverage as an incentive to keep you as a customer and also to incentivize good driving practices.

The Preferred Risk Driver

When your auto insurance company determines if you are to receive a good driver discount they have their lingo for what constitutes a good driver.

In the industry “good drivers” are known as preferred risk drivers. Car insurance companies determine whether or not you are a preferred risk driver using some common metrics.

While these standards are not always fair, the industry chooses to use this information to maximize profitability by weeding out bad drivers who could end up costing the insurance company a great deal of money.

Do you need to be an experienced driver to qualify for the excellent driver discount?

Car insurance companies rate younger, more inexperienced drivers as a higher risk so if you are new to driving or under the age of 25 you most likely will never qualify for a good driver discount.

Also if you have any serious vehicle-related crime like a hit and run or a DUI, it is pretty much impossible to receive a good driver discount.

Generally, your conduct and experience have a great deal of bearing on the whether or not you receive a discount but there are also things you can do to try and become more eligible for a good driver discount.

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How can I improve my risk status with car insurance companies?

In order to become a more attractive candidate for a good driver discount, there are a couple of things you can do.

Many car insurance companies also look at your credit score. If your FICA credit score is higher than average for the area in which you live they may take that into account when deciding whether or not to discount your policy.

Some, but not all auto insurance companies will offer you a discount on your auto insurance if you enroll in an advanced drivers education or defensive driving course.

To get a break on your car insurance and qualify for a good driver discount, you must have a clean record first and foremost.

Everything else helps, but it is absolutely essential to do your very best to avoid any sort of car accident or moving violation.

Not only will these actions result in you being disqualified for a good driver discount they may even raise your insurance. Enter your zip code below to get FREE car insurance today!