Good Driver Discounts
Accidents happen. Often, accidents are not even your fault. Many car insurance companies are so focused on reducing the risk of an accident that they will offer you a good driver discount. This usually takes into account driving history, claim history, etc. Things like following the speed limits, obeying traffic lights and being attentive on the road can help a lot. Speeding tickets and car insurance claims unfortunately do increase premiums over time.
Some car insurance companies even offer devices now that plug into your OBD port and track driving behavior to maximize your discounts. They monitor speed, braking, swerving – sometimes even texting, if you hook your phone into your car and use that data to reward good road behavior.