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Become a Better Driver and Earn Rewards? Not Too Good to be True.

In a previous article, we discussed how you can avoid more expensive insurance rates. We all know that having a good driving record can prevent high monthly insurance bills. But how can you save more money by being a good driver? It seems that insurance companies only notice when we make mistakes on the road, no matter how rare they are. Fortunately, there is a way to gain more savings every month. A lot of insurance companies participate in a promotional good driver bonus or rewards programs for their safe drivers.

Standard Tips

As drivers, we know that a lot goes into being a good driver. You could avoid accidents and tickets but you could still brake frequently, speed, make hard stops, or travel late at night which are risky driving behaviors. By installing this device in your car the insurance company reads your driving activity and rewards good behavior.


One of the most popular insurance providers, Allstate, has 3 ways that you can be rewarded for good behavior. One is a bonus check given out for every six months of driving without an accident. This seems to be the most frequent reward of any provider. The next is the Allstate deductible which offers one hundred dollars off your accident deductible when you sign up and another one hundred for every accident free year. The last program is a continuous rewards of save driving challenges and other seasonal savings. Allstate is just one of the insurance vendors that offers the telematic device installation to prove your good driving record.


While some policy vendors believe that senior citizens are a liability on the road, even at just 50 years old, Geico has a different position. Drivers over the age of 50, with a safe driving record, are now eligible to enter into a savings program. The drivers must be over the age of 50 and have no accidents within the last three years of driving. While Geico’s programs differ from the rewards offered at Allstate, they have a program for a wide variety of driving demographics. You can save as a federal employee, good student, or even a child leaving their parents policy and opening their own.


Progressive, another top choice for policyholders, has a loyalty program that rewards members for being insured and responsible drivers. Separate from a good driver bonus, the program offers rewards like discounts and accident forgiveness in exchange for policy loyalty.

The Takeaway

This theme is going to continue to grow in the auto insurance world. If we are all safe drivers then insurance companies spend less money on accident repair, car replacements, etc. Essentially, the companies offering rewards programs are offering a win-win. Take a look at your quote options and make these reward programs a strong factor when choosing your insurance vendor.

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