Does National General offer safe driving discounts? (2024)
National General does offer discounts for safe driving, such as a diminishing deductible with the DynamicDrive℠ Program, which tracks your driving behaviors, and a defensive driver discount. You could save up to 25% with National General by being a good driver with DynamicDrive and avoiding claims.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Jun 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- With National General, get a 25% lower deductible each year of safe driving
- DynamicDrive℠ is National General’s safe-driving program that lowers rates
- Nat Gen policyholders get a discount by passing a defensive driving course
Does National General offer discounts for safe driving? According to our National General Insurance Review, the company offers multiple safe driver discounts.
As an incentive, safe driving qualifies customers to have their deductible reduced automatically. The DynamicDrive℠ Program uses a tracking system to monitor driving behaviors and reward safe driving. The company also offers a discount for those who complete an accredited defensive driving course.
Scroll down to explore all of the discounts National General insurance offers for safe driving. Then, enter your ZIP code above to compare National General car insurance quotes vs. top providers near you.
National General Diminishing Deductible
Rack up a year of safe driving, up to four years in a row, and your National General deductible goes down by 25% each year. Begin with a high deductible. Then, after four years without a traffic violation, accident, or insurance claim, your deductible is $0. Having no deductible is very helpful for your peace of mind.
Usually, you have to choose between having a high deductible to lower your insurance rates or lowering your deductible while paying more for insurance. Learn more in our expert guide on car insurance deductibles.
However, once you file a collision or comprehensive insurance claim with National General, your deductible will reset to the higher amount, and you will have to start this program over.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
National General DynamicDrive℠ Program
DynamicDrive℠, a type of usage-based car insurance, analyzes your driving behaviors and help improve your driving, which may lower your auto insurance rates. When you enroll in the program, you save 10% automatically.
Check out the table below to compare UBI programs from the top providers and find the best usage-based car insurance company for you:
Usage-Based Car Insurance Programs by Provider & Discount Amount
| Insurance Company | Program Name | Discount Percentage |
|---|---|---|
| AAA | AAA Drive | 25% |
| Allstate | Drivewise | 40% |
| Amica | StreetSmart | 20% |
| Erie | YourTurn | $10 every 2 weeks |
| Farmers | Signal | 15% |
| Geico | DriveEasy | 25% |
| Liberty Mutual | RightTrack | 30% |
| Mapfre | SmartMotion | 20% |
| Metromile | Metromile | 47% |
| National General | DynamicDrive | 25% |
| Nationwide | SmartRide | 40% |
| Progressive | Snapshot | 30% |
| Root Insurance | Root Insurance | 30% |
| Safeco | RightTrack | 30% |
| State Farm | Drive Safe & Save | 30% |
| StateAuto | Safety 360 | 10% |
| The Hartford | TrueLane | 25% |
| Travelers | IntelliDrive | 20% |
| USAA | SafePilot | 30% |
Now, we’ll help you learn how to use the Nat Gen DynamicDrive app.
The Routely app collects driving data using your smartphone’s location services to determine whether you hit certain speeds and what distance you covered on a trip. These calculations help the system understand your driving habits and how fast you drive.
Chris Abrams Licensed Insurance Agent
Driving performance is calculated by collecting this data:
- Time: The time of day when you were driving
- Use of Phone: Distracted driving due to phone handling
- Braking: Hard and extreme braking
- Excessive Speed: Speeds at or above 80 mph
The program analyzes driving behaviors by using the motion sensors on your smartphone. Your driving score will improve if you brake smoothly, accelerate normally, and do not exceed the speed limit.
The app also tracks phone use while driving based on your phone’s movement and if you turn on the screen. Distracted driving while using the phone reduces your safety score.
The app will rank your trip’s score by determining phone use, braking intensity, and excessive speed. The trip history will show distinct icon notifications for these bad driving behaviors. Whenever you go too fast, brake suddenly, or use the phone, an icon will mark this incident on your trip’s route.
Your reward for being a safe driver is receiving further auto insurance discounts. A single incident will not change your driver’s score that much. Nevertheless, consistent patterns of bad driving behavior will lower your driver-safety score dramatically.
National General Defensive Driver Discount
You can get a National General auto insurance discount by passing an accredited defensive driving course. Check out the table below to see how much you could save at National General and other top competitors with a defensive driving discount:
Defensive Driver Car Insurance Discounts by Provider
| Insurance Company | Discount Percentage |
|---|---|
| Allstate | 10% |
| American Family | 11% |
| Erie | 8% |
| Liberty Mutual | 10% |
| Metromile | 5% |
| National General | 9% |
| Nationwide | 10% |
| Progressive | 31% |
| Safeco | 7% |
| The Hartford | 6% |
As you can see, National General drivers can save 9% with the company’s defensive driving car insurance discount. If you’re shopping for the best auto insurance for young adults, consider enrolling them in a defensive driving course for their safety and to save money on insurance rates.
How to Save Money with Other Discounts from National General
National General offers discounts for safe driving, and you can stack these with other discounts to get even cheaper National General car insurance rates.
For example, getting a multi-policy discount comes from knowing how to save money by bundling insurance policies, such as home and auto insurance. Always ask about all the discounts you might qualify for to save as much as possible.
Ready to see how much you could save with National General? Insert your ZIP code into our quote tool below to instantly compare rates.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the National General Dynamic Drive program?
DynamicDrive is National General’s usage-based car insurance program that allows policyholders to save if they drive safely.
How do young drivers get a discount from National General?
Young drivers can pass an acceptable defensive driver course to earn a discount on their auto insurance.
Does National General have discounts for older drivers?
The incentives for older drivers are to reward safe driving by reducing the deductible by 25% per year until it reaches zero.
Can any auto policyholder join the DynamicDrive program?
Yes, this rewards program is available to everyone who agrees to have their data collected for a month. The driver may terminate the program at any time and forgo the car insurance discounts. However, if using the program for more than one month, the data will be stored for rating the driver and used for calculating auto insurance premiums.
Enter your ZIP code into our free quote tool below to instantly compare your National General quotes vs. competitors in your area.
How much is the Dynamic Drive discount?
You can save up to 25% with National General’s DynamicDrive program, depending on how well you score.
Are Safe Auto and National General the same?
Yes, SafeAuto was acquired by Allstate via National General in 2021.
What company owns National General Insurance?
In 2021, Allstate purchased National General Insurance (Learn More: Allstate Auto Insurance Review & Complaints).
Are safe driving apps worth it?
If you drive safely, usage-based programs could help you earn signifcant savings on your car insurance premiums.
Is National General owned by Progressive?
No, National General is owned by Allstate as of 2021.
How do I increase my DynamicDrive discount?
Avoid hard braking, phone usage, and speeding to get a good score and save on auto insurance with National General DynamicDrive.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.