GEICO strongly recommends that you take defensive driving courses, and in turn, you could qualify for a discount that allows you to enjoy a cheaper car insurance policy. Progressive offers discounts to help older drivers who take AARP-approved defensive driving classes. While Progressive doesn't offer other age-based discounts, it will reduce your premium the longer you've been driving without accidents or traffic violations on your part. In fact, Progressive states that drivers who haven't had an accident in three years pay up to 31% less in car insurance than those with recent violations.
While it doesn't offer many age-specific discounts, older drivers can get several discounts through Progressive, further reducing their overall car insurance costs. Many of the best auto insurance companies work with drivers who have been involved in accidents or who have received driving violations. You can get a discount for driving defensively on car insurance if you complete an approved driver education course. If you need high-risk car insurance but your budget doesn't allow it, there are some steps you can take to keep your car insurance rates from skyrocketing.
By completing a Geico defensive driving course, drivers receive a discount of up to 5% or 10% on their Geico car insurance premium. When taking out car insurance as a high-risk driver, you'll first have to go through the quote process with different insurers to determine if one or more of them would be willing to work with you. For example, car insurance companies may consider you high-risk if you have driving violations on your record, have been convicted of driving under the influence of alcohol, are under 25 or over 70, or have bad credit (depending on your state). National General Insurance is one of the top auto insurers in the country, but you may not have heard of it.
As you might expect, drivers with driving violations on their background tend to pay more for car insurance than those without citations. An insurance company with a high financial strength rating has a great history of paying claims, and Geico has higher than average financial strength ratings from several accredited institutions. If you have tickets, accidents, credit problems or driving under the influence of alcohol on your record, Progressive will encourage you to make changes that can help lower your car insurance rates, such as switching to a safer vehicle. Once again, your car insurance company will consider your age, vehicle, and driving history when determining your premiums.
That's because National General does something that most other insurers don't: it specializes in car insurance for drivers with low mileage. If you have a DUI on your record, your car insurance rate will be high regardless of the insurance provider you choose.