Claim Free Car Insurance Discount
You can get a claim-free car insurance discount from nearly every major car insurance company, but companies may not offer the discount in every state. Most companies require a claim-free record for between 3 and 5 years to qualify for the discount. Claim-free discounts can save you up to 35% on your car insurance rates, but you’ll need to speak with an insurance agent to find out what besides an at-fault accident is considered a claim that could disqualify you from the claim-free discount. Learn more.
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UPDATED: Jul 16, 2021
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- A claim-free discount can save you between 10 and 35 percent on your insurance rates
- Claim-free car insurance discounts are offered by nearly all of the major insurance companies
- To qualify, you’ll need to have a claim-free record for between three and five years
When you’re looking for ways to lower your car insurance rates, discounts are a great place to start. One example is the claim-free car insurance discount. But how do you qualify for this discount? How much can you save? Is it the same as an accident-free discount? Read this article to find out everything you need to know about claim-free discounts.
Want to start shopping for affordable car insurance with a claim-free discount? Use your ZIP code in our free tool to get quotes for car insurance with a claim-free discount today.
What is a claim-free discount, and how does it work?
A claim-free discount is offered by most insurers that rewards drivers who have no at-fault accidents and have filed no claims within a certain time period. Drivers who fall into this category are given a discount because they have not cost the insurance company any money in payouts.
Wondering how to qualify for a claim-free discount? You’ll need to have a claim-free insurance history for between three and five years (this depends on the insurance company).
Some ways to keep your claim-free discount by reducing your chances of being in an accident include:
- Following all posted speed limits and driving laws (you can find summaries of local driving laws by visiting NOLO’s driving laws site)
- Driving defensively (you can even take a class to improve your defensive driving)
- Minimizing distractions like your cell phone
- Keeping your vehicle maintenance up-to-date
Read on to learn more about what a claim is so that you can keep your insurance record claim-free.
What is considered a “claim”?
What is considered a claim for a claim-free discount depends on your insurance company and where you live. In every case, an at-fault accident will disqualify you from a claim-free discount. However, if you’re in an accident in which you were not at-fault, and the other driver’s insurance covers the cost of your repairs and any injuries, you will most likely be able to keep your claim-free discount.
However, comprehensive claims under $1,000, emergency road service, and glass claims may not affect your discount depending on where you live. State law will dictate whether insurance companies can count these claims against you or not.
What companies offer claim-free discounts, and how much can you save?
To find out if your car insurance company offers claim-free discounts, take a look at this table.
|Insurance Companies||Offers Claim-Free Discount and Amount Saved|
|21st Century||Yes, Varies|
|American Family||Yes, Varies|
|Country Financial||Yes, Varies|
|Liberty Mutual||Yes, Varies|
|Safe Auto||Yes, 10%|
|State Farm||Yes, 15%|
|The General||Yes, Varies|
|The Hanover||Yes, 15%|
|The Hartford||Yes, Varies|
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You can typically save between 10 and 35 percent on your insurance rates with a claim-free discount.
Even though these companies all offer claim-free discounts, you’ll need to check with your insurance agent to find out if the discount is available where you live because some companies don’t offer it in every state. For example, USAA’s claim-free discount is not available in Hawaii.
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Claim-Free Car Insurance Discount: The Bottom Line
Most insurance companies offer Claim-free car insurance discounts to drivers who have maintained a claim-free driving record for at least three years (though exactly what counts as a claim depends on where you live and your insurance company).
This discount can save you up to 35 percent on your rates, so it pays to drive safely and defensively and follow all posted traffic signs to reduce your risk of an accident.
If you’re ready to buy car insurance with a claim-free discount, use your ZIP code in the free tool on this page to start comparing car insurance rates with a claim-free discount right now.