Best Cheap Car Insurance Company for Safe Drivers (2021)
The best cheap car insurance companies for safe drivers provide lower rates and discounts for drivers who avoid accidents or speeding tickets. While safe driving will positively impact your car insurance rates, there are steps you can take for additional savings. Comparing car insurance quotes for safe drivers and asking about discounts will help you find the cheapest car insurance for good drivers.
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UPDATED: Aug 30, 2021
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- Car insurance companies provide lower rates to safe drivers
- Car insurance companies offer safe driving discounts
- Vehicle safety ratings can affect your car insurance rates
Auto insurance companies provide lower car insurance quotes for safe drivers. Safe driving is typically considered as avoiding accidents, traffic violations, and license suspensions.
Keeping to learn more about the best auto insurance companies for safe drivers and how to determine the best choice for your policy.
Before learning about the best car insurance companies for safe drivers, enter your ZIP code to find free auto insurance quotes for safe drivers in your area.
Which car insurance companies for safe drivers offer the most affordable rates?
Comparing the best cheap car insurance companies for safe drivers will help you find the most cost-effective coverage. The following chart shows the annual full-coverage rates based on the company and safe driving record:
|Company||Average Annual Rates for Drives with a Clean Record||Average Annual Rates for Drivers with One Speeding Ticket||Average Annual Rates for Drivers with One Accident|
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As you can see, a clean record gets you the cheapest car insurance for good drivers. Additionally, an accident impacts your rates more than a speeding ticket. When comparing providers, USAA and GEICO provide the best cheap car insurance rates for safe drivers.
What factors impact car insurance rates for safe drivers?
Car insurance companies use various factors to determine auto insurance rates. While drivers can’t control some of these factors, others are related to safe driving. A driver can’t control their age or gender, two factors when determining auto insurance rates, but other factors like your driving record, claims history, and miles driven annually are within your control.
You can also lower your rates through the coverages chosen. States require a minimum amount of coverage, and it differs depending on state law. However, you can usually decline collision, comprehensive, or medical payments if you need to lower your rates further.
Before you start reducing your coverage or buy car insurance for safe drivers, compare auto insurance quotes from local companies to lock in the best rates.
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Do the best car insurance companies for safe drivers offer discounts?
Car insurance companies provide several discounts that allow drivers to lower their rates. Some of these discounts are directly related to safe driving.
The following are discount opportunities that can impact car insurance quotes for safe drivers:
- Telematics discount: Primarily used for usage-based insurance, telematics incorporates a plug-in device that monitors driving, mileage, location, speed, harsh acceleration or braking, and fuel consumption. Auto insurance companies use this device to calculate the rates for a driver.
- Defensive driving discount: Available in person or online, defensive driving courses teach students how to drive safely. Insurance companies offer discounts for participation because it decreases the chances of an accident.
- Safe driver discount: What is safe driver discount? In short, it’s a reward for drivers that haven’t made any claims or had any recent accidents over a specified amount of time.
- Accident-free discount: While less common than the safe driver discount, multiple auto insurance companies provide an accident-free deal. Most companies offer this discount to drivers that have gone without an accident for at least five years.
In addition to the above discounts, Allstate provides a safe drivers bonus refund. This deal includes a credit for safe drivers on their next bill for 5% of their car insurance rate.
How are vehicle safety ratings used by car insurance companies?
Some auto insurance companies offer discounts for driving a car with high safety ratings. This discount doesn’t provide significant savings but can still decrease rates.
Vehicle ratings are a common way of determining auto insurance rates. These ratings are available online and indicate vehicle safety.
What are the customer satisfaction ratings for the best car insurance companies for safe drivers?
While you might be a safe driver, it’s impossible to judge those driving around you. Knowing the best auto insurance companies for dealing with claims or accidents will make the process easier.
The following is a chart that shows the ratings for the most popular car insurance companies. A.M. Best ratings determine the likelihood that a company will provide a payout when you file a claim, and the complaint level indicates customer satisfaction.
|Company||Auto Insurance Rates||A.M Best Rating||Complaint Level|
|State Farm||Low||A++ (Superior)||Low|
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As you can see, State Farm has the best combination of low rates, strong A.M. Best ratings, and few complaints. Farmers has the worst combination of high rates, A.M. Best ratings, and complaint level.
How to Find the Best Car Insurance Companies for Safe Drivers
Safe drivers will experience lower rates and more discount opportunities than riskier drivers. Auto insurance companies consider safe drivers those who don’t file claims and avoid traffic violations. Comparing quotes from the best car insurance companies for safe drivers will help you find the most affordable coverage.
Now that you know about the best car insurance companies for safe drivers, enter your ZIP code to get free auto insurance quotes in your area.