Save on Car Insurance with a Claim-Free Discount
If you haven't filed a claim on your car insurance in over three years, you may qualify for a claim-free discount. Most providers offer accident-free discounts of up to 30% off monthly premiums, but you may qualify for more based on your driving record and the insurance company you choose. Drivers with good records may qualify for even more safe driving discounts.
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UPDATED: Jul 18, 2021
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- Drivers qualify for claim-free car insurance discounts when they don’t make a claim on their policy for three to five years.
- You can save up to 30% with a claim-free discount.
- Safe drivers can qualify for more auto insurance discounts with a good driving record.
Asking about discounts is one of the easiest ways to find more affordable car insurance. The most common car insurance discounts fall into one of these five categories:
- Driver safety discounts
- Driver status discounts
- Vehicle discounts
- Policy discounts
- Usage-based discounts
In this guide, we are going to discuss driver safety discounts, specifically how you can save on car insurance with a claim-free discount. This type of auto insurance discount is dependent upon your insurance record and in order to qualify, you cannot make a claim for a certain period of time (usually three years).
Think you qualify for a claim-free discount on car insurance? Enter your ZIP code above to find local car insurance companies near you offering the best rates and discounts.
What is a claim-free discount?
Claim-free car insurance discounts, also known as good driver or accident-free discounts, apply to drivers who manage to avoid making a claim on their policy for a specified period of time.
Most of the bigger insurance companies like GEICO and Allstate offer claim-free discounts to drivers who have been accident-free for three to five years. Smaller companies will also offer some form of no-claims bonus so don’t forget to ask about discounts before you buy car insurance coverage.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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How much is a claim-free discount?
Each car insurance company is different and will have its own terms defining what qualifies a claim-free discount and how much that discount is worth. Typically, drivers can see 10%-30% off their monthly premiums with an accident-free discount.
For drivers who participate in telematics programs, which help insurance companies log driving habits and estimate damage costs, can save between 40%-60%.
What other safe driver discounts should I ask for?
If you qualify for a claim-free discount it’s likely you also qualify for even more driver safety car insurance discounts. As you shop around for auto insurance quotes, ask about different kinds of discounts, including defensive driving and safe driver discounts.
Take a look at the table below to see the kinds of discounts you can expect.
American Family vs. Farmers Car Insurance Rates by Driving History
Citation Type American Family Average Monthly Premium Farmers Average Monthly Premium
At-fault accident with less than $1,000 damage $82.50 $141.58
At-fault accident with more than $1,000 damage $146.92 $194.50
DWI/DUI $154.75 $269.92
Speeding Ticket $105.83 $170.42
Reckless Driving $154.75 $386.33
Not all companies list their rates and discounts publicly. Even if they aren’t included in this table, you may still qualify for certain driver safety and accident-free discounts. Always ask about what discounts you might qualify for when you’re shopping for car insurance to secure the lowest rates possible.
How to Get Cheap Car Insurance With a Claim-Free Discount
If you don’t have any claims on your insurance record, you can secure affordable car insurance rates by qualify for a claim-free discount. Get quotes from multiple car insurance companies and be sure to ask what other discounts you may qualify for before you buy a policy.
Start comparing quotes now with our free tool below. Enter your ZIP code to get free car insurance quotes from local companies and find cheap rates with a claim-free discount.