Good Drivers Can Save How Much on Their Auto Insurance?

Usage-based insurance can fast-track your good driver status and save you money.

Experience can only be gained with time, and when it comes to driving, the more you have, the better. For those who have a lengthy and immaculate driving record, this could mean sizable savings on your auto insurance premiums. Many car insurance companies offer “good driver discounts”, among other offers, as drivers spend more time on the road or hit significant life milestones. A good driver discount may be one of the first decreases you’ll see on your premiums.

How to Get a Good Driver Discount

Every insurance provider is different, but generally, drivers can see their premiums start to drop three to five years after they get their driver’s licence. It applies to both young and old drivers, depending on the amount of experience they have. However, there are a few stipulations. Drivers are typically required to be accident-free, violation-free, and claims-free during this period and must remain that way to keep the discount. So, all you’ll need to do is maintain a good driving record for the savings to roll in.

You may even choose to speed up this process by using usage-based insurance (UBI) to receive a safe driver discount.

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What Is Usage-Based Insurance?

UBI, sometimes referred to as telematics, is software that tracks how fast and how far you are driving, accelerating, braking, cornering, and what times you are typically on the road. Some can even track if you are distracted while driving. The software can be professionally installed in your vehicle, accessed through a mobile app, or is Bluetooth enabled.

Each insurance provider will have a different name for their respective UBI programs; however, they work the same way. Your insurance provider will generally require you to connect to the technology for a certain number of trips, days, months, or kilometres driven. They will give you a rating or score at the end of the data collection period, which may result in up to 25% off your insurance premiums upon renewal.

That means practiced drivers as well as less experienced ones may be able to save based on how they drive, rather than how long they have been driving. On the other hand, if your score is less than ideal, you can lose any initial UBI enrolment discounts you may have received. Apart from this, the information collected can’t be used against you, meaning your premiums won’t go up.

Choosing the Right Insurance Provider

UBI is great, but it may not be for everyone. Talk to your insurance provider or check out reviews online to see how people liked their experience with the technology. It may give you a better idea whether or not UBI is right for you.

If you decide that you want to try UBI, remember to compare car insurance quotes at It is a good idea to compare quotes whenever you are making changes to your insurance. That includes getting a new car, adding a driver, moving, or any number of circumstances. You may end up saving even more on your auto insurance.

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