PEMCO's Safe Driver Disount rewards our policyholders for their good driving habits.

After you join PEMCO, you earn 2% off for every 12 months you avoid an at-fault accident. After time, your discount can grow up to 20% off your insurance premium:

• First year = no Safe Driver Discount yet (but a 4% New Customer Discount applies)
• Second year = 2% Safe Driver Discount (and a second year's New Customer Discount of 2%)
• Third year = 4% Safe Driver Discount
• Fourth year = 6%
• Fifth year = 8%
• Ten years of safe driver = 20% discount

If you happen to cause an accident after earning a Safe Driver Discount, you won't get the added discount for that year, but you also won't loose the discount you earned for prior safe years. And if you have no accidents in the following year, your discount begins to accrue again by another 2%, until you reach the maximum discount of 20%.

Discount applies to premium for Bodily Injury, Property Damage, Personal Injury Protection, and Collision coverages. The discount will apply to all vehicles on the policy.