That's because the better the driver, the lower the risk. Once you've had your auto policy for a certain number of years, your first traffic accident may not be marked against you. It won't affect the cost of your insurance either. After all, accidents happen. If a driver in your household is younger than 25 and is a full-time student with a B average, you could qualify for a credit.
Conscientious students are likely to be conscientious drivers.
Some insurance companies will give you a credit if you haven't made any claims during the first few years of policy ownership. Being a good customer and a low risk apply here. Some companies offer credits for drivers over the age of 55. Multi-Car Credit Insuring more than one car with your insurance company may make you eligible for savings. Again, the more business you give a company, the more valuable you are to them.