More recently, many insurance companies have introduced “diminishing deductible” plans in addition to the standard safe/good driver discount. These plans sometimes require that you pay a fee to be part of them, but they’ll reduce your deductible by a specified amount of money for every year you remain accident-free. The catch is that even a minor accident will set you back to “zero” on these plans.
Just as the specific discounts vary, so, too do the definitions of what constitutes safe or good driving. Some companies base it on a driving record with no at-fault accidents, while others require that you have no violations of any kind – even parking tickets.
As with many other discounts, even if you don’t qualify for a good driving discount now, you may be able to have this discount applied at your first renewal after you do qualify. Be sure to ask your insurance agent.