f you’re a good driver, you’re likely to reap certain benefits from your auto insurance provider. In fact, the safest drivers stand to benefit the most. Insurers frequently reward their best customers with certain perks. Often, insurers term their best drivers as Preferred Risk drivers. 

Preferred drivers help not only their insurance companies, but also themselves. If you can get preferred status from your insurer, it may help your wallet. 

What’s a Preferred Driver? 
It is easy to generalize that a preferred driver is the safest driver. However, the technical answer is a little more complicated. 

The more likely someone is to file a claim, the higher their risk ratings will likely be. Auto insurers tend to label those who pose the least risk as their preferred drivers. These drivers, in the eyes of the insurer, are those who are least likely to file a claim. The less risk a driver has, the lower the cost risk to the insurer. This means that the insurer doesn’t have to assume a high risk by covering this driver.  

Preferred drivers, because they represent the lowest risks will likely pay the lowest policy prices. They can often tap into the most affordable rates and the most discounts. Being a preferred driver means you can likely benefit financially.  

Even so, keep in mind that preferred driver status may not give you the lowest price rates overall. Other factors besides preferred status may impact how much you pay for coverage. These may include things like local risks, vehicle value and state requirements. Therefore, you should still compare your policy options with your agent. That way, you can get the most affordable policy with the maximum preferred benefits. 

Becoming a Preferred Driver 
Because of the perks, many drivers want to obtain preferred driver status. 

First, be a reliable insurance customer. Always keep your coverage active and current. Update it as needed, and never forget to pay your bills. It sometimes also helps to maintain good credit. This might reassure your insurer that you have the stability to maintain your vehicle and policy. 

More importantly, be a safe driver. If you commit to responsible driving, you will likely lower your personal auto risks. This likewise may lower your chances of ever having to file a claim. This goes a long way towards earning your preferred status. 

If you’re ready to get coverage, call Heritage Insurance today! We can help you get a fast, free policy quote.