Tips for Reducing Your Auto Insurance Premiums With Safe Driving

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 21, 2021

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Things to Remember...

  • Obtain a copy of your driving history before you start looking for car insurance
  • Finding out the average rates of your state can help you save on your auto insurance
  • Additional ways to save including asking for discounts and reducing the amount of coverage you have

There are many tips for reducing auto insurance premiums with years of safe driving.

In fact, if you have an excellent driving record and have not accrued any points on your license or filed any claims with your current car insurance provider, they will more than likely begin to reduce your rates automatically.

It is no secret that car insurance companies love safe drivers. They protect others on the road because they are considerate and courteous.

These types of customers help to save the auto insurance industry thousands or even millions of dollars each year, and these savings are passed on to the consumer.

There are huge discounts dedicated to these types of drivers and this helps them save money too, a win-win for all.

If you are among those who never exceed the speed limit, consistently wear your seat belt, and avoid tailgating, you too can take advantage of the many opportunities car insurance companies provide to safe drivers.

If you need great car insurance rates today, click here to enter your ZIP in the FREE toolbox to get started right away!

Obtain a Copy of Your Abstract


A driving abstract is a complete record of your driving history for a certain number of years, usually five.

However, some violations are never removed such as DUI or DWI convictions and convictions for assault or homicide with a vehicle.

There is a small fee associated with obtaining your driving abstract; most states charge anywhere from $10 to $25 for a copy. If you reside in Washington State, the fee is just $10.

You can apply online, by mail, or in person. The online application method is most preferred since it is the quickest and most convenient.

Simply log onto the website, complete the application, pay the fee, and select the method of return as email. Within a few minutes, you will receive your abstract in your email inbox.

If you do not have access to the Internet, go directly to your regional MVC office and complete the process there. Mail time varies between two and three business weeks, about 10 to 14 days.

Once you have the abstract, take the time to review it very carefully. This is the same document your car insurance company can access however, they may not go over the information as much as you would like.

If you have the paperwork in your hands, you can make sure everything is accurate and if new updates need to considered, you can inquire with your local MVC.

Call your car insurance provider and let them know that since you have an excellent driving record, proven by your driving abstract, you want a lower rate.

It is always best to have an idea of how much you want to be reduced. Be prepared to negotiate the terms if they start with a minimal reduction.

Escalate your call to the next level of management until your expectations are met.

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Know the Average Car Insurance Rates for Your State


Things in the car insurance industry change rapidly.

When you first signed your policy, your state may have ranked as one of the worst in the nation for car insurance rates, but now, due to car theft, accidents or other factors the numbers may be very different.

Take note of this data because the way your state is evaluated plays a huge role in your individual car insurance rates. The lower the number, the higher your quote will be.

Whether you are a safe driver or not, you will ultimately pay the difference.

This can be another good way to negotiate your rates with your car insurance company. They receive this information twice a year and include the data as a way to calculate their averages.

If you are not aware of how your state ranks in the nation, your reduction may be lost to someone else who is well informed.

Review Your Policy Carefully Before You Renew


Many safe drivers forget to look at their car insurance policy before they renew. This is a huge mistake, which can cost you hundreds of dollars over a 12-month period, especially if you pay the entire premium in one payment.

Sometimes, car insurance companies give their customers a hard time if they bring something to their attention after they have already made their payment.

Instead of going through the different levels of customer service to inquire about a refund, take as long as you need to review your policy. If you are wise, you still have your previous policy to act as a guide.

Each year that you go without an accident or traffic violation, your car insurance company should reduce your rates. Retrieve your policy from last year, read each line, and record the amounts.

If you do not see any substantial changes, you should inquire. You should not continue to pay the same amount for your premium year after year, especially when you are saving your money with your efforts.

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Reduce Your Coverage

Safe drivers are less likely to need more than the minimum required level of car insurance unless the vehicle is part of a lease program or is financed by a bank.

This means if you own your car, or it is a little older, having full-coverage can be a waste of money.

If you are not sure of the exact amount of coverage your state requires, you can go to the National Association of Insurance Commissioners for help.

They have the facts listed by state and it is as easy as locating your state on the map and clicking. Since this information is updated frequently, it is your best resource.

Once you are aware of what your state expects, you can decide if it is better for you to drop the extras and keep the minimum.

It is probably a good idea to talk to anyone else who may drive your car, either regularly or occasionally, just to make them aware of the changes.

You may or may not need to wait until the renewal period to implement these changes. It really depends on your car insurance company and the policy terms.

However, the sooner you can drop the additional coverage, the faster your rates will decrease. If all else fails, you have the option of taking your business to a competitor.

More than likely, your car insurance company will oblige you since they are not in the habit of losing customers unnecessarily, especially those with great driving records.

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Increase Your Deductible


Consider raising your collision deductible. Since you have been driving safely for quite some time, you are less likely to become the victim of an accident.

You can then benefit from lower annual premiums and save more money.

The only downside is your out-of-pocket costs will rise slightly if you need to have repairs done. Frankly, the pros outweigh the cons based on your driving record.

If you continue to drive defensively and take every precaution to avoid incidents, you will remain accident-free.

Be Direct and Ask for a Discount


There is nothing wrong with researching your car insurance company’s website for all of the discounts they have available, then calling and asking them why your policy does not reflect these discounts.

They should be available for all who qualify and if your car insurance company has a safe driver discount, why would you not have it already?

For many companies, they actually make it a requirement that the customer must call or inquire before it is applied.

Customer service agents may need to follow strict guidelines before they can offer the safe driver discount.

If this is the case, all you need to do is remind them of the length of time you have been a customer and ask them to add it effective immediately.

If they want to keep you as a happy and loyal customer, there should be no problem with the request. When it comes to saving money, those who remain silent, often miss out.

Take full advantage of the FREE search tool found here and enter your ZIP now for the best rates your money can buy today!

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