Good Driving Habits Monitored for Lower Rates
You’re a safe driver. You don’t slam on your brakes. You don’t have a lead foot on the gas pedal. You don’t even drive that many miles. Would you be willing to let an insurance company put a monitoring device in your vehicle for a short period of time to prove you’re a cautious, responsible driver in order to get a discount? In several states, a leading insurer is offering motorists this option as a way for them to lower their premiums. Make sure you ask about all the available driver discounts, when you apply for auto insurance quotes.
A few years ago, a major insurance company began offering policyholders the option to temporarily install an electronic device in their cars to collect data on their daily driving habits. Once a certain time period has been reached, the motorist returns the device to the insurance company to be analyzed. If the insurer finds the policyholder is indeed a safe, responsible driver, it will give her a discount. Discounts can be as high as 30 percent, but most are found to be around 10 to 15 percent. Other insurance companies are testing similar programs with electronic monitoring devices.
Most insurance companies already give drivers discounts for having safe-driving records and driving fewer miles. You don’t need to have an electronic monitor installed in your car to get these discounts. Find out about all the discounts you are eligible to receive, when you get auto insurance quotes. Here are a few common car insurance discounts:
Safe-driver discount
Your insurance company determines the risk that you will file a claim on your policy based on your past driving record. If the risk is high, then you will pay a higher premium. If it is low, then you will pay less. Your state’s department of motor vehicles maintains a detailed record of all car accidents, moving violations, vehicular criminal convictions and other relevant information. Maintain a clean driving record to save money on your insurance. Find out which insurers offer a safe-driver discount, before you get auto insurance quotes.
Defensive-driver discount
You don’t need to learn when to put on your turn signal, how to use your rear-view mirror and other driving basics, but you could improve your driving skills and lower your insurance premium with a defensive driving course. Many of the nation’s leading auto insurance companies offer defensive-driving discounts, if you enroll in such an approved course.
Low-mileage discount
Many of the nation’s leading insurers offer drivers low-mileage discounts, depending on where you live. If you happen to live in a state where insurers offer pay-as-you-drive (PAYD) auto insurance, you can buy a policy based on the actual miles you drive rather than an on estimated number of miles. More than 30 states offer some form of PAYD insurance.
When you are ready to buy a new car policy, you can call agents in your local area, contact insurance companies directly or use InsuranceQuotes.com to instantly get competitive auto insurance quotes from the nation’s leading insurance providers. Simply fill out a simple online form on InsuranceQuotes.com to find the right insurance coverage at the best possible price. Take the time to protect you and your family today.
