3 Auto Insurance Discounts You Get Just for Being Good

We’d like to dispel the myth that nice guys finish last. Or that good girls don’t have any fun. In fact, nice guys who use their turn signals and also understand the basic principles of merging can end up saving money on car insurance. And good girls who drive the speed limit (mostly) and don’t do their makeup in the car could wind up reaping the benefits of auto insurance discounts.

Sometimes getting from A to B drives even the most Zen-like among us to fits of rage and sparks some not-so-good impulses. But if you can learn to practice good, defensive driving, chances are you’ll come out ahead in the long run — both financially and peace-of-mindedly.

Good drivers — and by good we mean attentive and defensive — are less likely to get tickets or be involved in accidents. And in many states, drivers with clean records automatically qualify for car insurance discounts.

Here are 2 discounts that are available for commendable road behavior, plus a freebie just for doing your homework. (Make sure to check the Esurance discounts page for your state to find out which ones are in your wheelhouse.)

Good driver discount

If you’re a good driver with a clean driving record and no significant insurance claims, you’ll be rewarded with the good driver discount, which in most states is the most significant auto insurance discount available. When you get a quote from Esurance, this discount is automatically applied if you qualify.

So next time you feel like tailgating or cutting off that jerk in front of you, take a deep breath, exhale, and think about fun ways to spend the money you saved on your good driver discount.

Defensive driver discount

A lot of us read the driver handbook when we first get licensed, then never look at it again. But because it’s easy to fall into bad habits on the road, taking a refresher course is often a great idea. You can get reacquainted with the rules of right-of-way, brush up on your hill-parking technique (tires toward the curb or away?), and fall in love all over again with braking stats (55 mph requires 400 feet to stop!).

And best of all, we give you an auto insurance discount if you complete a voluntary, certified driver safety course or a mature driver safety course. Find out about defensive driver discounts in your state.

Good student discount

It’s worth mentioning that if you’re in school and getting good grades, you can get another discount on your car insurance. In many states, Esurance gives auto insurance discounts to students who are under 25, maintain a 3.0 (“B”) GPA or better, and are enrolled full time in high school, at a community college, or at a university.

So take that, high-school heroes — being good ain’t so bad after all!

Auto insurance discounts vary from state to state and these are just a few that we offer, so be sure to check out your state’s discount page to see which are available in your neck of the woods.

Recipe for the Perfect Road Trip

Hungry for the road? It’s time to whip up your next delicious road trip.


  • 1 destination (optional)
  • 1 car (fuel efficiency recommended)
  • 1-3 road-trippers (if desired)
  • 1-2 weeks of research (to taste)

Prep time: varies
Yields: 1 tasty road trip


Find your radius. Empty your piggybank and count your vacation days. Road trips can be fairly cheap, but assume at least $100/day for gas, food, and lodging. Once you know how much money and time you can spend, you’ll know how far you can go.

Google stuff. If that doesn’t spark ideas for fun destinations within your radius, look at a map or check your Facebook friends’ photo galleries. Create a short list of what you’d like to see, then map a route to hit as many as possible.

Recruit fellow road-trippers. This one’s a no-brainer if you have kids at home. Otherwise, chances are you already have a few friends in mind. If you’re heading to a popular venue (like the Gorge in Washington) or a stadium, you can fill empty seats with like-minded folks by signing up to carpool.

Choose the car. Should you take your own or ask your fellow travelers? Consider your options – key ingredients include fuel efficiency, reliability, comfort, size, and a sound system. It’s a good idea to get a tune-up before you leave, and if it’s your car, you might want to think about cleaning it too.

Investigate the route. Look for points of interest along the way and loosely map your trip (while allowing built-in time for the unexpected detour). Things like the world’s largest fire hydrant and the dinosaur skeleton out for a walk provide perfect photo ops.

Map for food. Plan a few stops at some off-the-beaten-path restaurants — food plays a surprisingly key role in any successful road trip.

With the main ingredients in place, how you season your adventure is entirely up to you. Bon voyage!

To see what we’re cookin’ up around the nation, find us on Facebook. Hope to see you on the road this summer!

Questions or comments on this post? We’d love to hear from you. Send us an email at communications@esurance.com.

Related links:

Top 20 Road Trip Snacks
Wired’s 15 Geeky Road Trip Gadgets

The Art of Motorcycle Maintenance

“That’s all the motorcycle is, a system of concepts worked out in steel.” – Robert M. Pirsig, Zen and the Art of Motorcycle Maintenance

Here at Esurance, we may not be in the Zen business, per se, but we do know a thing or two about helping folks get the most from their vehicles. And with perfect riding weather just around the corner, many of you may be downsizing from 4 wheels to 2, from seatbelts to helmets, and from A/C to spring breeze. That’s right, it’s motorcycle season … which means a little motorcycle maintenance is probably in order.

As alluring as it all sounds, however, it’s a really (really) good idea to do a little bike maintenance before you hit the road looking for Zen.

We enlisted the help of veteran motorcycle mechanics (including my dad) and riding enthusiasts to put together the following pre-season checklist:

  1. The tires: Some tires lose air very slowly and a soft tire, although it might not be obvious, is a major safety issue. On a motorcycle, you have half the number of tires you do on a car making proper inflation twice as important.
  2. The fluids: It’s always good to check the various fluids, including the engine oil, transmission oil, and brake fluid, etc. after an idle spell. They’re easier to check after the bike’s been sitting for a while and the fluids have settled to their lowest point.
  3. The air filters: Make sure they’re clean, and check for small creatures (they can be crafty) in the housing. If you find that you need to replace a filter, it may not be as difficult as you think.
  4. The battery: It’s not unusual for the battery to be low or even dead after sitting for an extended period. Check the water in the battery and make sure there’s enough charge left to start the bike.
  5. The lights: Make sure they’re all working. Sounds obvious, sure, but that means it’s also easy to forget.

And of course, a big part of staying safe is making sure you have reliable
motorcycle insurance. A good policy is kind of like a helmet for your finances— maybe not the coolest thing ever, but a really, really, good idea nonetheless (another good idea is to read up on our motorcycle safety tips). So before you head out on the highway, get a free and easy motorcycle quote from Esurance — all our policies are DOT-approved (so to speak).


Related links

Motorcycling 101
Most Motorcycle-Friendly States

5 Mom-Inspired Driving Tips

In honor of Mother’s Day on May 9 (don’t say we didn’t tell you), we gathered a list of the best driving advice mom ever doled out. The following driving tips are by no means new, but like most of mom’s advice over the years, they’re full of good, old-fashioned common sense.

Buckle up. Seems like a no-brainer nowadays. But according to the
National Highway Traffic Safety Administration, victims in more than half of all fatal car accidents weren’t wearing seatbelts. And aside from the obvious safety risks, there’s also the added risk of a traffic ticket.

Go slow. This is a mom oldie and a mom goodie. Speed limits serve an important purpose. Not following them can get you in a heap of trouble with Johnny Law (no one likes traffic school) — not to mention increase the likelihood of an accident. Driving a little slower will also boost your car’s fuel efficiency, saving you cash at the pump.

Respect the weather. Rain, snow, and fog make it hard to see clearly. Plus, wet surfaces require 2 to 10 times more stopping distance than dry ones. Check out our Winter Driving post for more tips, and in extremely poor situations, don’t drive if you don’t have to.

Keep your distance. Mama said you can’t hurry love, and really, the same thing applies to the car in front of you. Tailgating (the driving kind) never made anyone drive faster, and it cuts down on your reaction time if you have to stop in a hurry. If you’re looking for a way to measure your distance, there’s a lot to be said for the 3-second rule. Use a tree or pole on the side of the road to gauge how closely you’re following the car ahead. If there are less than 3 seconds between you and the car in front of you, slow down or switch lanes to pass.

Learn defensive driving. Chances are you’ve picked up bad habits since you first got your license. A defensive driving course can help you brush up on the rules of the road, which in turn helps you avoid tickets and accidents, which in turn saves you money on car insurance (we should know).

Send thank-you notes. This one’s a staple of moms everywhere, and while it’s not related to driving, our list wouldn’t be complete without it.

Bottom line: Drive like your mom’s in the car and chances are you’ll be a slower, safer (and dare we say better?) driver. Like it or not, mom’s driving tips could help you avoid tickets and accidents, which could end up saving you money on your auto insurance. And while not quite as tasty as mom’s meatloaf, saving money’s always a good thing.

Related links

List of seatbelt laws by state
Driving in a winter wonderland (an Esurance Insight)
ProFlowers (hint, hint)