This Blog was posted for you By Ed Cuellar Insurance Services in San Antonio
There are just some drivers who love to play with speed. They always put their lives at risk and the lives of everyone else while they are on the road. This would not only result in a bad driving record but accidents as well.
There are also those who drive carefully and safely. They obey the law and maintain a good driving record. Because of their cautious nature, they usually get a reward for this, particularly in their car insurance rates. More often than not, they have the chance to lower their premiums which can be really great help, especially during a financial crunch. They have the chance to get reasonable car insurance rates just by being a law-abiding driver.
Because the car insurance companies are also looking at your driving record history, a good record would help you get a discount that will be deducted on your car insurance premiums or rates. For them, if you have been a careful driver, you are not prone to accidents which makes you an asset in their company. That is why they would give you a discount on your car insurance rates.
Who do they consider a good driver and who is not? Car insurance companies called them the Preferred Risk Driver. Here are some of the criteria on how they consider a driver as a good one.
1. You abide by the law. You have no record of crime related to vehicles.
2. No tickets or moving violations for the past 3 years or even more. This depends on the state where you live and the insurance company as well.
3. Great credit scores.
4. You are already in the mid-twenties or even older and already established a record.
Another option is completing the defensive driving course. This would also give you a chance of getting a discount as a good driver from the car insurance companies. You are simply showing that you want to improve your skills as a driver.
But there are some inevitable situations where you get involved in an accident that is not your fault. Does that mean that you no longer have the chance to get a discount?
You must make sure that you consult your agent and ask more about the no-fault tickets. You should also inquire if you will lose your discount as a good driver if the accident is not your fault. It would be best if you are well-informed, so you must ask the car insurance company beforehand so you will not have problems in the future.
Driving safely has a lot of benefits including avoiding expensive repairs, the expenses for medical bills, and avoiding life-threatening accidents. Other people will also be safe from you as well. These are just some of the great benefits that you can get from driving carefully. But of course, one of the biggest advantages of this is getting a huge discount. A low rate on vehicle insurance would definitely help you and the needs of your vehicle at the same time
Enjoy the Benefits
Good drivers ride safely, avoid costly repairs and medical bills, and help protect themselves and others on the road. But one of the greatest benefits comes with preferred driver discounts, an easy route to reasonable car insurance. If you’re shopping for reasonable car insurance rates, let us help. We’ll get you all the discounts you deserve – including those for good drivers and start you on your way toward great coverage today. Give us a try and enjoy the benefits of being a good driver! Fill out an online form and get instant car insurance quotes for easy car insu