Maintaining a spotless driving record is a plus to your wallet. Not only does it keep your insurance premiums low, but, depending on your carrier, it could also earn you a safe driver discount (some providers refer to it as a good driver discount). Massachusetts has even mandated safe driver discounts into law, under the Safe Driver Insurance Plan.

Top Good Driver Incentives

Each carrier adheres to a different incentive policy, based on your driving record. Some carriers, for instance, offer a 2% discount for every year you avoid an at-fault accident, topping out at 20%.

Others gauge safe driving discounts on driving records over three- and five-year increments, rewarding modest discounts for three consecutive years of safe driving, and maximum discounts (usually 20%) for five straight years of exemplary driving.