What Is a Safe Driver Discount?
If you’ve kept your driving record clean and claim-free, you may be eligible for a safe driver discount. Auto insurance providers offer these discounts as a reward for drivers with lower risk behind the wheel. At Premier Choice Insurance, we work with Glendale drivers to ensure they receive every possible discount—especially if they’ve proven to be cautious and responsible.
Why Does Your Driving Record Matter?
Your driving record is one of the most important factors auto insurance companies evaluate when determining your premium. In essence, it reflects your level of risk on the road. Insurance providers in Glendale—and throughout Arizona—use your history of traffic violations, at-fault accidents, and previous claims to predict how likely you are to file a future claim. The cleaner your record, the less of a liability you appear to be.
Auto insurance providers in Glendale are far more likely to reward you with lower premiums if you’ve maintained a spotless driving history—no speeding tickets, reckless driving citations, DUIs, or accidents. Safe drivers are statistically less likely to cost the insurer money. In Glendale, where busy intersections and high-traffic areas increase the risk of collisions, insurers especially value cautious, law-abiding drivers.
At Premier Choice Insurance, we use your current driving profile to help secure the most competitive rates. We work with a wide network of trusted carriers that offer exclusive safe driver discounts.
How Much Can You Save with a Safe Driving Record?
The savings from a clean driving record can be substantial. Many Glendale drivers save 10% to 25% or more on their car insurance simply by avoiding tickets, accidents, and insurance claims. Some companies even offer tiered discounts, meaning the longer you maintain a clean record, the more your rates can drop over time.
You can also increase your savings when you:
✔ Have no claims for the past 3–5 years – Claim-free drivers are considered low-risk and may qualify for loyalty-based discounts.
✔ Complete a defensive driving course – Some insurers provide discounts for finishing a state-approved course that reinforces safe driving habits.
✔ Enroll in a telematics or usage-based insurance program – These programs track your driving behavior using an app or device, rewarding safe habits like smooth braking, limited nighttime driving, and minimal speeding.
At Premier Choice Insurance, we analyze your unique driving profile and pair it with the best carrier incentives to ensure you’re not overpaying. We believe safe driving should always pay off—literally.
What Is a Telematics or Usage-Based Program?
Telematics programs use a mobile app or plug-in device to track your driving habits—things like speed, braking, and how often you drive at night. If you consistently drive safely, you could qualify for even deeper discounts.
Glendale drivers often find these programs helpful for reducing costs without changing carriers or coverage levels. We offer usage-based insurance options that reward you for every safe trip.
Who Qualifies for Safe Driver Discounts?
You may qualify if:
- You have a clean DMV record
- You haven’t filed any recent auto insurance claims
- You maintain proper vehicle safety (tires, brakes, lights, etc.)
- You complete a state-approved defensive driving course
Premier Choice Insurance helps drivers in Glendale assess their eligibility and apply discounts to their current or new policy.
This is where we come in. At Premier Choice Insurance, we take the time to evaluate your driving history, policy details, and overall risk profile to ensure you’re receiving every possible discount available. Whether you’ve been driving for 2 years or 20, our goal is to make sure your safe driving habits and loyalty are rewarded.
We also help you avoid gaps in your auto insurance policy, which could raise your rates in the future and disqualify you from long-term or continuous coverage discounts. Maintaining uninterrupted coverage is one of the simplest ways to keep premiums low while staying protected.
Need help reviewing your current policy for missed savings or potential coverage gaps? Contact Premier Choice Insurance today and let us optimize your plan while maximizing your discounts.
Start Saving on Auto Insurance in Glendale Today
Don’t let safe driving go unnoticed. If you’ve built a strong driving record, you could be overpaying for your auto insurance without even knowing it. At Premier Choice Insurance, we’ll help you unlock safe driver discounts, bundle policies, and explore other savings to fit your lifestyle.
Call (602) 748-1200 today for a personalized quote, and let us help you reduce your auto insurance premiums in Glendale—just by driving safely.
FAQs About Auto Insurance
The minimum coverage required by law typically includes liability insurance, which covers bodily injury and property damage you may cause to others in an accident. Premier Choice Insurance can help you understand the specific requirements and ensure you meet legal standards.
Premier Choice Insurance calculates auto insurance premiums based on factors like your driving history, vehicle type, location, and chosen coverage types. Additional factors such as your credit score and past insurance claims may also influence the rate.
Yes, Premier Choice Insurance offers various auto insurance discounts, including multi-policy discounts, safe driver discounts, and discounts for anti-theft devices installed in vehicles.
Comprehensive coverage protects against damages to your vehicle not caused by a collision. This includes theft, vandalism, fire, natural disasters, and hitting an animal.
To file a claim, contact Premier Choice Insurance’s claims department as soon as possible after an accident. Provide all necessary documentation and cooperate fully during the claims process to ensure a smooth resolution. To file a claim, contact Premier Choice Insurance’s claims department as soon as possible after an accident. Provide all necessary documentation and cooperate fully during the claims process to ensure a smooth resolution.
Yes, Premier Choice Insurance offers optional roadside assistance coverage, which includes services like towing, flat tire changes, battery jump starts, and lockout assistance.
After ensuring everyone’s safety and calling emergency services if needed, gather information from all parties involved and document the scene with photos. Then, report the accident to Premier Choice Insurance as soon as possible.
Absolutely, Premier Choice Insurance allows you to customize your auto insurance policy with various add-ons and adjustments to meet your specific needs and budget.
It’s advisable to review your auto insurance policy annually or whenever there are significant changes in your driving situation or vehicle ownership.
Gap insurance covers the difference between the actual cash value of a vehicle and the balance still owed on the financing. Premier Choice Insurance offers gap insurance as an optional addition to your auto insurance policy.
About Premier Choice Insurance
Premier Choice Insurance, headquartered in the heart of Mesa, AZ, stands at the forefront of delivering comprehensive business insurance solutions tailored to the unique needs of companies across Arizona. As an esteemed independent insurance agency, we aim to safeguard your business’s future, ensuring peace of mind against life’s unforeseen events.
Our dedication to excellence is reflected in our wide-ranging services, including but not limited to general liability insurance, commercial property insurance, professional liability (errors and omissions) insurance, workers’ compensation, and commercial auto insurance. We specialize in crafting customized insurance packages that align perfectly with your business’s requirements, ensuring robust protection for your assets, employees, and operations.
Premier Choice Insurance offers access to an impressive portfolio of over 50 reputable insurance carriers. This vast network enables us to provide our clients with competitive pricing and diverse coverage options, making us a premier choice for insurance in Mesa and throughout Arizona. Our local market expertise and industry-specific knowledge allow us to offer effective and cost-efficient advice and solutions.
Our team at Premier Choice Insurance is driven by a commitment to integrity, transparency, and unmatched customer service. We understand the complexities of insurance and strive to make the process as straightforward and hassle-free as possible. From risk assessment consultations to claims support, we stand by our clients every step of the way.
As active members of the Mesa community, we believe in giving back and are involved in various local initiatives and non-profits. This community focus reflects our belief that businesses thrive in a supportive and engaged environment.
Premier Choice Insurance offers a blend of local expertise, personalized service, and comprehensive solutions for business owners seeking a trusted partner to navigate the complexities of insurance coverage. We are not just your insurance agency but your ally in business resilience and success.
Discover how Premier Choice Insurance can protect what matters most. Contact us today to learn more about our services and how we can tailor the perfect insurance strategy for your needs.
Visit our Mesa, AZ, Insurance Office today.
