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U.S Drivers With No Tickets In 3 Years Are In For A Big Surprise.

Fran Majidi

The Secret To Saving On Car Insurance

Most Americans don’t know that they are eligible for a lower auto insurance rate if they’ve been following the rules of the road for three years. Did you?

Insurance companies don’t want you to know that you’re eligible for a price break, but sometimes, you have to take them to task for it.

If you haven’t gotten a ticket for a moving violation in three years or more, you’re most likely paying too much for auto insurance. Unfortunately, you may not get the rate you deserve from your current insurer.

When Luis entered his zip code at, he didn’t expect to find out that he’d been paying hundreds of dollars more per month than he had to -- for the same level of protection!

“I’m paying 40% less than I was paying all this time,” Luis explains. When his friend heard about how Luis was getting ripped off, she compared prices at too and she’s now saving over 50% in premiums. Neither one of them had to pay a broker fee for the quotes with SmartFinancial.

The fact of the matter is that most people are overpaying for car insurance -- 20 to 60% more than if they comparison shop auto insurance before buying a policy. It’s shocking that they are overpaying because they’ve proven that they are safe drivers!

No news is good news for drivers, and insurance carriers want to write policies for safe drivers at the lowest rates. If you have had a clean driving record for the past three years, you deserve to pay less.

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SmartFinancial is a digital insurance comparison engine, providing comparison insurance services in all 50 states through its relationships with carrier and agency partners from which we receive compensation. SmartFinancial is not affiliated with any state or government agency.

The lowest advertised rates are not necessarily available from all advertisers on our site. SmartFinancial matches users to advertisers and insurance agents only after we've received certain information from you, and your rates may vary based on your coverage limits, deductibles, driving history, education, occupation, type of vehicle, and location, among other factors. The rates included in our advertising reflect the lowest monthly premium when paid semi-annually for a 2008 Kia Rio 4 Door Sedan driven for pleasure with less than 3000 miles per year for a male, 41 with an above-average driving record. Safe driver, association and alumni membership, and other discounts may have been applied.