Get covered in minutes!



Home > Blog > How Safe Driving and Loyalty Helps Reduce Your Car Insurance Rates

How Safe Driving and Loyalty Helps Reduce Your Car Insurance Rates

At MAPFRE Insurance, we value safe driving and loyalty.

When you have your vehicle insured with MAPFRE and maintain a good driving record, you can take advantage of several value programs and discounts that could help you save on your annual premium.

Have a Good Driving Record
The key to getting and keeping a reasonable rate with any insurance company is maintaining a good driving record. Insurance companies like MAPFRE provide better rates to safer drivers than to those who have had several accidents, claims and/or minor violations.

Type of Vehicle You Drive
Auto insurance premiums are based on the type of vehicle you drive, how much the vehicle costs to purchase, and the vehicle’s level of safety.

When you buy a vehicle, whether new or used, you should consider these questions that could factor into your auto insurance costs:

  • What is the vehicle’s safety record?
  • What is the average cost to repair that make and model should you have an accident?
  • What’s the likelihood that your vehicle’s make and model will have a break-in or be stolen?

If you’re not sure how to evaluate a vehicle’s safety rating, the Insurance Institute for Highway Safety (IIHS) is a great resource when you’re car shopping.

Maximize Discounts
There are a number of ways you can save on your annual auto insurance premium with MAPFRE. In addition to bundling your policies, you could benefit from MAPFRE’s Good Student discount, the Student away from home discount, and the Clean in Three discount.

Other Ways to Save
If you sign up for MotionSmartSM, a usage based insurance option that utilizes a smartphone app and analyzes your driving behaviors, you could receive up to a 2% discount on your initial enrollment and up to a 20% discount at renewal – providing you maintain a good driving record.

When you add MAPFRE’s Accident Forgiveness feature to your policy, if you or someone on your policy gets into an at-fault accident, your premium won’t increase because of the incident.

If still have questions on your policy and how you might be able to save, your independent agent can always help you review your information to make sure you have the right coverage to suit your individualized needs. And if you are not a MAPFRE customer yet, you can always contact an agent in your state to get a quote or a fast, free car insurance quote in Massachusetts to get outstanding coverage at a great price.

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.


Protecting Your Home From Lightning

Protecting Your Home From Lightning

Lightning strikes can happen any time there is a thunderstorm and can be a threat to both people and property. According to the National Weather Service, the threat of lightning increases as a storm approaches and peaks when it is overhead. It gradually diminishes as...

read more
Road Trip Travel Tips

Road Trip Travel Tips

Whether it’s a quick weekend getaway or a cross-country trip with the entire family, road trips can be a fun adventure. Before planning your trip, there are several things you might want to consider to ensure your journey is safe.Get your vehicle servicedGetting your...

read more
Swimming Pool Safety Tips

Swimming Pool Safety Tips

The summer months are perfect to spend with family and friends around a backyard swimming pool. But despite the fun they bring, pools do pose their own risks. According to a 2020 report by the U.S. Consumer Product Safety Commission (CPSC), an estimated 6,700 children...

read more