Safe Driving Tips to Lower Your Insurance
Drive safely, avoid accidents, and save money on insurance
Why Safe Driving Matters
Safe driving isn't just about following the law - it protects you, your passengers, and other road users while saving you money on insurance. Drivers with clean records can save 20-40% compared to those with accidents or violations.
Essential Safe Driving Practices
Avoid Distracted Driving
- Put your phone away or use hands-free mode
- Don't text, email, or use social media while driving
- Eat and groom before or after driving
- Set GPS and music before you start
- Keep pets properly restrained
Maintain Safe Following Distance
- Use the 3-second rule in good conditions
- Increase to 4-5 seconds in rain or traffic
- Double the distance on ice or snow
- Watch for brake lights ahead
- Be prepared to stop suddenly
Obey Traffic Laws
- Follow speed limits (even when you're in a hurry)
- Come to complete stops at stop signs
- Don't run yellow or red lights
- Use turn signals every time
- Yield when required
Drive Defensively
- Assume other drivers might make mistakes
- Check blind spots before changing lanes
- Be aware of your surroundings
- Anticipate potential hazards
- Always have an escape route
How Safe Driving Saves Money
Safe Driver Discounts
Save 15-30% with a clean driving record (no accidents or violations for 3-5 years)
Usage-Based Insurance
Monitor your driving habits and earn discounts for safe behaviors like smooth braking and reasonable speeds
Defensive Driving Courses
Complete an approved course to earn 5-15% discount and improve your skills
Get Rewarded for Safe Driving
Find insurance companies that offer the best discounts for safe drivers