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

The Geico good driver discount is available to customers who have been accident-free for 5 years or more, and it can save policyholders up to 26% on their car insurance premium. To get the discount, the policyholder must have at least 5 years of driving experience, none of the vehicles on the policy can have any points assigned to them, and all drivers on the policy must have been accident-free for the past 5 years. Drivers don’t need to have been insured by Geico for the whole 5-year period to be eligible.… read full answer

Will I lose the good driver discount with Geico if I get a point?

Geico uses a point system to weigh different traffic offenses and decide how much to charge you for insurance. If you get any points, you will lose the good driver discount and could have your premium increased.

Points can be assigned when the policyholder or any driver in your household is involved in an accident or convicted of a major traffic violation. Geico also assigns one point just for adding an inexperienced driver to your policy. So if you’re insuring anyone who has been licensed for less than three years, you won’t be eligible for the discount.

What if I’m not eligible for Geico’s good driver discounts?

If you can’t get the Geico good driver discount, or you lose it, there are other ways to save. Geico has discounts for things such as wearing seatbelts, attending defensive driving or driver’s ed classes, getting good grades, having certain vehicle safety features, bundling policies, and being affiliated with certain government and corporate organizations.

Geico is one of the nation’s most affordable insurers, in part because of the variety of discounts they offer.

State Farm offers a good driver discount but does not advertise a specific amount, since it varies by state. In order to receive a State Farm good driver discount, drivers must be accident-free for three years. This can even include time that you've been insured by another company.

After you get into an accident, you will have to wait three years in order to qualify for the discount again. Additionally, accidents that are forgiven by State Farm accident forgiveness still count against your good driver discount, even though your base premium will not go up.… read full answer

If you don’t qualify for State Farm’s good driver discount, there are still ways to save on your premium. For example, State Farm offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

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

Progressive does not offer a good driver discount, unlike most other major insurers. Drivers with clean records will typically be charged a lower rate for coverage, but they will not receive a specific discount amount.

Even though Progressive does not have a good driver discount, you can see if you qualify for other discounts that they offer. For example, Progressive offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy.… read full answer

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