Cheap Car Insurance Tip #12: A clean driving record

A clean driving record means lower premiums. Typically, auto insurance premiums are raised by nearly 40% after your first at-fault accident; this can cost you as much $160 on a $400 premium. Driving carefully and safely while on the road can save you quite a bit of money in the form of cheap car insurance premiums, as well as costs of repairing your vehicle.

Each company usually has different specifications as to what exactly constitutes “safe, clean driving”, but nearly every insurance company offers this discount in one form or another. Also, some companies offer a “first-accident” forgiveness plan; so you may want to inquire about this benefit, too.

Certain insurance companies will lower your premium as long as you have remained free of at-fault accidents, and other companies don’t differentiate between at-fault accidents and those that have been caused by another driver. Besides this, staying free of any moving violations (speeding tickets, stop sign or red light infractions, etc) and avoid parking tickets can also lower your auto insurance premium.