Discounts

Safe Driver Discount

A clean driving record can mean real savings — see how much a safe driver discount could cut off your premium.

Drivers who avoid accidents and violations are among the cheapest to insure, and we reward that with a safe driver discount. The longer your clean record, the more you may save.

Tell us about your driving history and we’ll check which safe driver savings you qualify for — at no cost and with no obligation.

Lower Your Premium With a Defensive Driving Course

Completing an approved defensive driving course may do more than sharpen your skills — it could also help lower your car insurance premium. It’s another way to save alongside the discount your clean record already earns.

Eligibility requirements and savings vary, so it’s worth asking us before you enroll or renew your policy.

How to Earn Your Discount

Getting a defensive driving discount is usually a simple process.

  1. Complete an Approved Course — Choose and complete an approved defensive driving course, online or in person.
  2. Receive Your Certificate — After successfully completing the course, you’ll receive a certificate of completion.
  3. Submit Your Certificate — Send us your proof of completion so we can review it and apply the discount to your policy.
  4. Start Saving — If you qualify, the discount may be applied right away or at your next policy renewal, depending on your policy.

Before You Enroll

Many defensive driving courses are available online and in person. If you’re taking one specifically to qualify for an insurance discount, make sure it’s an approved course that meets your state’s requirements.

Before enrolling, it’s a good idea to ask:

  • Is the course approved?
  • Will I receive a certificate of completion?
  • Does this course qualify for the discount on my policy?

Taking a few minutes to confirm these details can help make sure you qualify for any available savings.

Will I Qualify?

Eligibility depends on more than the course itself. Several factors help determine whether a defensive driving discount is available to you:

  • The defensive driving course you complete
  • Whether proof of completion is required
  • Your policy type
  • State-specific eligibility requirements

The fastest way to know for certain is to ask us — we’ll check your policy and tell you what applies.

Defensive Driving Discount at a Glance

  • What is the defensive driving discount?

    A discount we may apply to your policy when you complete an approved defensive driving course.

  • How do I earn it?

    Complete an approved course and send us your proof of completion so we can apply the discount.

  • Can I take the course online?

    Many approved defensive driving courses are available online, though requirements vary by state.

  • Is the discount guaranteed?

    No. Eligibility depends on the course you complete, your policy, and your state’s requirements.

  • When is the discount applied?

    Depending on your policy, the discount may apply right away or take effect at your next renewal.

Find Out If You Qualify

The easiest way to see whether you’re eligible for a defensive driving discount is to ask. We’ll check it along with every other saving that could lower your car insurance premium.

Getting a free quote only takes about a minute.

See What You Could Save

Start your free quote today and we’ll apply every discount you qualify for — safe driver, defensive driving, and more.