Good Driver? How To Find the Best Car Insurance Company for You
If you need to buy auto insurance, the best auto insurance companies for good drivers are American Family, Allstate, and State Farm. These companies promote safe driving by offering great discounts and have programs for young drivers who want to improve their driving skills and save money on their insurance rates.
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UPDATED: Jan 24, 2022
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- American Family, Allstate, State Farm are three great companies for safe drivers
- Good drivers can earn discounts and lower their rates
- Drivers can shop online to find the best insurance policy for them
The open road can be a perilous place so drivers who actively work to keep themselves and others safe while driving deserve to be rewarded. Thankfully, there are quite a few insurance companies that do just that in the form of low car insurance rates and great discounts. Now, if you’re searching for a new auto insurance company, the best auto insurance companies for good drivers can be found easily online.
With the click of a button, you can get free auto insurance quotes from the best auto insurance companies for good drivers and start examining which policy is the right one for you. Every company has its own unique traits though so important to get at least 5 quotes before you make any final decisions.
Keep reading to learn more about insurance companies that actively reward safe drivers.
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Which is the best auto insurance company for safe drivers?
While determining the best auto insurance for safe young drivers will ultimately come down to your personal preference, if you’re eager to get vehicle insurance quotes, it is advisable that you request quotes from companies like American Family, Allstate, and State Farm. These three titans of the insurance industry offer some of the best auto insurance rates for safe drivers.
Curious as to what the auto insurance rates from the best auto insurance companies for good drivers look like? You can review this chart below to survey what you may potentially pay with each company:
|Company||Good driver||At-Fault accident||Minimum coverage|
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While these companies may not provide the cheapest car insurance for good drivers, it’s important to note that “cheap” is not always synonymous with “good.” All three of these insurance companies offer high-quality products that can help you not only get the rates you want but the coverage you need as well. So if you want high-quality and affordable auto insurance, the best auto insurance companies for good drivers are these three.
Now, let’s look closer at each company so you can have a better idea of which company would be the best one to provide you with insurance coverage.
In business since 1927, American Family has remained financially strong, in fact, it has an ‘A’ rating from AM Best. American Family also offers great discounts, not just to safe drivers, but to any driver who purchases a policy. For example, if you have purchased a policy with a different company but have received a quote from American Family seven days prior to the policy effective date, you could earn yourself the Early Bird discount.
American Family also offers discounts for teen drivers who are infamously known for driving up insurance rates. If you have a teen driver and enroll them in the free TeenSafeDriver program, you could not only help keep your young driver safe while driving but also be rewarded with a discount.
This company doesn’t just encourage their drivers to be mindful of others on the road either. American Family promotes altruism by offering the Young Volunteer Discount. You could cut down on your insurance rates if you’re younger than 25 and volunteer only 40 hours of your time during the year.
American Family also takes customer convenience very seriously, and with the company’s MyAmFam mobile app, you can file a claim, upload necessary documents, and keep an eye on every step of the claims process all from your phone.
Unfortunately, you will only be able to get car insurance with American Family if you live in one of these states:
- North Dakota
- South Dakota
Now that you’ve learned what American Family can offer you as an insurance company, let’s move on to a company that’s available all throughout the United States and has also been in the insurance business for decades.
Allstate has an A+ rating from AM Best and has been serving others since 1931. This illustrious company has been providing reliable insurance products for decades and offers many incentives for drivers to practice safe driving techniques.
In fact, with Allstate’s Drivewise program, safe drivers can reap the rewards almost immediately. Drivewise, if you choose to participate in the program, tracks your driving. While Allstate offers discounts to very safe drivers, you can use the data collected to improve your skills as a driver which will benefit you in the long run by helping you improve your defensive driving skills and lower your chances of causing an accident.
For example, Drivewise can track when you drive, if you drive at high speeds, and even if you tend to slam on the brakes. Some drivers may not even realize that they are doing this, and so, with the help of Drivewise, they can clinically look at their bad habits and work to fix them.
Great discounts aren’t all Allstate has to offer. If you’re a person who likes to keep an eye on your policy, you’ll be pleased to learn that you can access your policy at any point during the day through the Allstate website. You can even pay your bills online and get free quotes online too.
You won’t have to worry about miss placing your insurance card ever again either. If you have the Allstate mobile app downloaded onto your phone you’ll be able to pull up your insurance card, policy information, and roadside assistance all with the push of a button.
Another titan of the insurance industry, State Farm has been in business since 1922 and has an A++ rating from AM Best. Although this financially sound company isn’t available in Massachusetts or Rhode Island, you can still get a great safe driver discount with State Farm.
Like American Family, State Farm encourages young drivers to stay safe on the road by offering a training course that could also lead to lower rates. The Steer Clear program is open to any driver under 25 who hasn’t had an accident in three years. Now, drivers who are over 25 can also earn a discount by enrolling in a defensive driving course.
State Farm also offers great discounts even if your driving record is a bit spotty. For example, if you bundle your home and auto policies or renters and auto policies, you can get score some great savings.
State Farm has stayed up-to-date with the times too. The company’s mobile app allows you to file a claim right away. From the palm of your hand, you’ll be able to access your claim’s status, share photos, and reach out to the team handling your claim.
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Are there auto insurance companies that offer cash back for safe drivers?
While there are many companies that are all too happy to reward good drivers with discounts, if you want to get cash back for your safe driving, you’ll need to purchase a policy with Allstate. Through the safe drivers bonus refund program, Allstate customers who haven’t filed any claims during a certain amount of time can earn a reward that is as much as 5% of their policy insurance rates.
This is typically applied to the upcoming policy term. Here’s how it works: If you paid $500 for six months of coverage and discovered that you were eligible for the safe drivers bonus refund, $25 would be applied to your next six months of insurance coverage. You would then only have to pay the remaining $475.
What Good Drivers Need to Know About Insurance
If you want to buy auto insurance, the best auto insurance companies for good drivers are American Family, Allstate, and State Farm. These companies not only provide some of the lowest auto insurance for safe drivers but also offer great tools to empower you to be in control of your policy no matter where you are. All of them are financially strong, but each one has its own unique traits that set them apart.
American Family offers discounts for altruism and safe driving, but you cannot get insurance coverage through this company in all 50 states. Allstate is the youngest of these three companies, but it also has great discounts to offer and is available all throughout the United States. State Farm provides a convenient method of tracking your claims and great discounts for safe drivers as well.
In order to find the right policy for you, enter your ZIP code and compare free quotes to discover the best auto insurance companies for good drivers.
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