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The car insurance business is a very competitive one and in an effort to get your valuable custom many auto insurance providers now offer a wide range of additional optional extras and attractive financial incentives and schemes to make their insurance policies more attractive to potential customers. One such of these schemes that you may have heard of is the “Safe Driving Bonus”. If you consider yourself a safe driver then you may be tempted by the sound of this feature. But what exactly is a safe driving bonus? Well, it is an incentive not to make a claim for an accident under your motor insurance policy. If you don’t make a claim for a specified period of time (usually at least 6 months) then your car insurance provider rewards you with a bonus.
What is This Bonus?
This bonus could be in the form of a credit of anything up to 5% towards your next annual car insurance renewal premium or it could take the form of an actual check in the mail for the amount of credit you have earned during that period. The advantage of this latter arrangement is, of course, that it is not compulsory for you to renew your car insurance with the same provider in order to benefit from the financial incentive of remaining accident free.
How to Benefit From a Safe Driving Bonus Scheme
There are normally conditions to being eligible to enroll for and benefit from a safe driving bonus scheme. Firstly it is usually a requirement to have a clean driving history (free from accident claims and tickets) and a good insurance score. Secondly, you may need to be enrolled in a particular car insurance program. Finally, the option to enroll in this scheme is usually only available at the time of your car insurance policy renewal. Also, remember that the bonus may not take the form of a check in the hand and that it may only be applicable to your next renewal, in the form of credit against your premium. Obviously a safe driving bonus, in its most basic form of credit applied to your next renewal, is a clever ploy by car insurance providers to make sure that you remain insured with them.
These days, drivers have a wide choice of providers available to them via the internet and car insurance comparison websites such as Get Car Insurance and it has never been easier to shop around for cheap car insurance. As a result, drivers have become pretty fickle when it comes to choosing car insurance and insurance companies have cottoned on to this and so are coming up with ways to keep your business once they’ve got it. When shopping around for the best car insurance deal, these are things that you need to bear in mind.
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