How to Get Good Driver Rewards on Your Auto Insurance Policy

If you have a clean driving record, you should be getting credit for it on your auto insurance premium. Good driver discounts are real, they’re significant, and many drivers either don’t have them applied or could qualify for more. Here’s how they work and what the carriers Capitol Benefits works with specifically offer.

How Good Driver Discounts Work

Most carriers offer reduced premiums to drivers who have gone a specified number of years — typically three to five — without at-fault accidents or moving violations. The discount varies by carrier and your specific record, but it commonly ranges from 10% to 25% off your premium. This is separate from telematics programs, which reward current driving behavior rather than past record.

Carrier-Specific Programs Worth Knowing

• Erie Insurance: Erie’s Rate Lock feature is one of the most compelling products for good drivers — your premium doesn’t increase even if you file a claim, as long as you don’t change your policy. Combined with Erie’s standard safe driver discount, it provides strong premium stability. Erie also offers First Accident Forgiveness after three claim-free years.
• Travelers: Offers an Intellidrive telematics program that monitors driving behavior for 90 days through a mobile app. Safe driving habits during the monitoring period earn a discount applied at renewal. Travelers also offers standard accident-free and violation-free discounts.
• Progressive: Snapshot is Progressive’s usage-based program — it tracks driving behavior continuously and adjusts your premium based on actual habits. Good drivers who don’t brake hard, drive at high speeds, or use their phone typically earn meaningful discounts.
• Hanover: Offers clean-record discounts and loyalty rewards for long-term customers with good driving histories.

A Note on Telematics Programs

Usage-based insurance programs (telematics) can be particularly valuable for two groups: drivers with limited history who haven’t yet qualified for traditional good-driver discounts, and experienced drivers who are confident their current habits are safe. The trade-off is some degree of data sharing with your carrier. If that’s a concern, the traditional good-driver discount based on your MVR is still available without it.

DMV Drivers: Check Your Current Policy

If you’ve been with the same carrier for years and haven’t had an accident or ticket, confirm that your good-driver discount is actually applied to your policy. It isn’t always automatic, particularly if your policy predates the carrier’s current discount structure. Capitol Benefits can review your current premium and make sure you’re not leaving discounts on the table. Contact us here or call (301) 431-0000.