How do I get the AAA safe driver discount? This question is about AAA Insurance

How do I get the AAA safe driver discount?

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This question is about AAA Insurance

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@WalletHub • 05/19/21 This answer was first published on 05/19/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can get a AAA safe driver discount by signing up for AAA Drive, the company telematics program. With AAA Drive safe drivers in certain states can save up to 30% on their rate by allowing AAA to track their habits on the road. Specifically, AAA Drive tracks speed, acceleration, braking, distracted driving, and the time of day that you drive.

If you can’t sign up for AAA Drive, AAA offers other ways for you to save on your premium.

To learn more, check out WalletHub’s guide to AAA discounts.

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How do I get a defensive driving discount for car insurance?

You can get a defensive driving discount for car insurance by completing an approved driver's education course. Seven of the 10 largest insurance companies offer a defensive driving discount, though exact requirements and discount amounts vary.

Defensive Driving Discounts by Car Insurance Company

Insurance Company	... read full answer Eligibility	Discount Amount
State Farm	Drivers who meet their state's specific requirements	Up to 15%
Geico	Drivers who complete a defensive driving course and meet their state's specific requirements	Amount varies
USAA	Drivers who complete a defensive driving course and meet their state's eligibility requirements	Amount varies
Farmers	Drivers aged 55 and older who successfully complete an approved driver's education course	Up to 15%
Nationwide	Drivers aged 55 and older who successfully complete an approved driver's education course	Up to 5%
American Family	Drivers aged 55 and older who successfully complete an approved driver's education course	Amount varies
Travelers	Drivers who successfully complete an approved driver education course	Up to 8%

To learn more, check out WalletHub’s guide to car insurance discounts.

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How do I get a safe driver discount?

To get a safe driver discount on car insurance, drive without accidents, violations, or claims for three or five years. Nine of the 10 largest insurance companies offer a safe driver discount, with slightly different requirements. However, every insurer rewards safe driving, even if they don’t advertise this specific discount.

... read full answer

Some insurance companies, like Geico, offer a good driver discount instead, but the intent is the same: lowering costs for careful customers. Since insurance companies calculate premiums based on how likely a customer is to file a claim, insurers prefer drivers with a clean driving record. However, each company’s eligibility requirements for a safe driver discount differ slightly.

Safe Driver Discounts by Company

Insurance Company	Eligibility	Discount Amount
State Farm	No moving violations or at-fault accidents by any named driver during the past three years Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates)	Undisclosed
Progressive	Customers with no tickets or accidents for three years	31% less on average
Allstate	Accident free (bonus for every six months without accidents)	$100 off collision deductible for each year without accidents, to $500 maximum
USAA	Good driving record for at least five years	Undisclosed
Liberty Mutual	Separate accident-free and violation-free discounts (specific requirements undisclosed)	Undisclosed
Farmers	Varies by state	Undisclosed
Nationwide	No at-fault accidents or major violations during the past five years	Undisclosed
American Family	No accidents, violations, or claims during the past five years	Undisclosed
Travelers	No accidents, violations, or major comprehensive claims by any named driver during the past three or five years	Three years: up to 10% Five years: up to 23%

Most major insurance companies also offer savings to good drivers through usage-based insurance. These programs include big names like State Farm’s Drive Safe and Safe, Progressive’s Snapshot, and Allstate’s Drivewise. Usage-based insurance tracks driving habits and mileage, and personalizes rates based on an individual’s specific behavior. As a result, safe drivers, especially those who drive fewer miles than the average of 13,500 a year, can save up to 30% with State Farm or $145 on average with Progressive.

Finally, even if you don’t qualify for a safe driver discount from your current insurer, you can always check quotes from other companies to make sure you’re getting the best deal. It’s also a good idea to check out other money saving opportunities with our guide to car insurance discounts.

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How do I get a good driver discount for car insurance?

You can get a good driver discount for car insurance by keeping a clean record for several years. Eight of the 10 largest insurance companies offer a good driver discount, though exact requirements and discount amounts vary.

Good Driver Discounts by Car Insurance Company

... read full answer

Insurance Company	Eligibility	Discount Amount
State Farm	Drivers who stay accident free for 3 years	Amount varies
Geico	Drivers who stay accident free for 5 years	22%
USAA	Drivers who stay accident and ticket free for 5 years	Amount varies
Liberty Mutual	Drivers who stay accident and ticket free for several years	Amount varies
Farmers	Drivers who stay accident and ticket free for 3 years	Amount varies
Nationwide	Drivers who stay accident and ticket free for 5 years	Amount varies
American Family	Drivers who stay accident, ticket, and claim free for 5 years	Amount varies
Travelers	Drivers who stay accident free for 3 years	23%

To learn more, check out WalletHub’s guide to car insurance discounts.

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