Rewarding Safe Drivers in Pennsylvania
Insurance companies want to insure safe drivers — and they are willing to pay for the privilege by offering significant discounts to drivers with clean records. If you have been driving accident-free and violation-free in Croydon, Bensalem, Levittown, Bristol, or Burlington, you may be entitled to discounts you are not currently receiving. The Pennsylvania Insurance Department's discount guide outlines what carriers are required to offer.
How Much Can Good Driver Discounts Save?
Good driver discounts typically range from 10–25% of your base premium. On a $1,500 annual premium, that is $150–$375 in savings. Progressive's good driver discount can reach up to 31% for drivers who have been accident-free for five or more years. Some carriers also offer accident forgiveness programs that prevent your first accident from affecting your rates.
Usage-Based Insurance: Proving Your Safe Driving
Progressive's Snapshot program and similar telematics-based programs monitor your actual driving behavior and reward safe habits with discounts. These programs track hard braking, rapid acceleration, late-night driving, and phone usage while driving. Safe drivers can earn discounts of up to 30% on top of standard good driver discounts.
Vehicle Safety Feature Discounts
Modern vehicles equipped with advanced safety features often qualify for insurance discounts. According to the Insurance Institute for Highway Safety (IIHS), anti-lock brakes, electronic stability control, forward collision warning, automatic emergency braking, and backup cameras all reduce the likelihood of accidents and claims.
Multi-Policy and Loyalty Discounts
Bundling your auto insurance with homeowners or renters insurance typically saves 10–20% on both policies. Staying with the same carrier for multiple years often qualifies you for loyalty discounts. Paying your premium in full rather than monthly can save on installment fees.
Get Your Good Driver Discount at Jordan's Auto Tags
At Jordan's Auto Tags in Croydon, PA, we shop multiple carriers to find the best rates for safe drivers throughout Bensalem, Levittown, Bristol, Burlington, and Bucks County. Walk in at 721 Bristol Pike or call (215) 826-9890 — no appointment needed.