Three more years of safe driving will bring the deductible down to $ 0, which means in the event of an accident, you could pay nothing out of pocket. (effectivecoverage.com)
But, after a few years of safe driving, you can drop back down to a normal risk level and get a better rate. (carinsurancequote.net)
Depending on your insurance company, this coverage may only apply once per policy term, or it may take years of safe driving to go into effect. (daveramsey.com)