Insurance rates are based on experience ratings, so it stands to reason that insurance companies would be willing to give better rates to drivers who have good experience. Your past driving history is a good indication of your future driving habits, so insurance companies are anxious to have a client like you, who they will probably not have to pay out on the policy. This competition among insurance companies for the good drivers gives good drivers cheaper insurance rates.

 

what do the insurance companies consider a "good driver"? No recent accidents and few to no traffic violations. The longer period of time you have with no accidents or violations, the better risk you are for the insurance company. Besides the obvious benefits of being a good driver, such as staying safe and keeping your family safe when you are in your car, being a good driver earns you the lowest insurance premiums. Everyone has to have auto insurance, but a good driver does not have to pay as much for it as a bad driver does.

If you do have a good driving record, make sure you are getting the best possible rates from your insurance company. The best way to be sure of this is to shop around. As soon as you inquire about insurance rates, make sure you ask them if they are giving you the good driver rate. Then compare all of the good driver rates to pick the best one.

You know whether or not you are a good driver (you can get an abstract of your driving record to make sure) so you should make sure you are getting all of the advantages that go along with it. You should be paying the lowest premiums available for the cost of your auto insurance.