Good Driver Club Independent Affiliate
    Careful Driver ClubCareful Driver Club Resource

    Everything You Need Before Requesting Your Quote

    Getting a quote only takes a few minutes. This page walks you through exactly what you'll need so the process is fast and simple for safe drivers.

    Quote Walkthrough

    Careful Driver Club Referral Pass

    Your Referral Code

    SPIBFC

    You'll need this referral code when joining Good Driver Club if it is not automatically applied.

    No Credit Check Required

    Check Your Eligibility

    • Valid driver's license
    • Registered vehicle
    • Current auto insurance policy
    • Current declarations page
    • Available in your state

    Currently unavailable in New York, Alaska, Hawaii, Massachusetts, and Rhode Island.

    Before You Start

    Make sure you have these items ready for a smooth process designed for drivers with a good driving record.

    Declarations Page

    Have your current declarations page ready. PDF or clear photos both work.

    10 Minutes

    Most people complete the process in about ten minutes.

    No Credit Check

    Getting your quote does not require a credit check.

    Referral Code

    Keep your referral code available during signup.

    SPIBFC

    How The Quote Process Works

    Four simple steps to get your personalized quote.

    1

    Download the App

    Download the Good Driver Club app using your referral.

    2

    Upload Your Declarations Page

    Upload your declarations page and let the AI analyze your current coverage.

    3

    Review Your Quote

    Review your options and choose the protection level that works best for you.

    4

    Activate Membership

    Complete enrollment and choose your preferred effective date.

    Need Help Finding Your Declarations Page?

    Every insurance company is a little different. Choose your insurance provider below for a step-by-step walkthrough.

    Watch The Complete Quote Walkthrough

    • Learn what information you'll need.
    • Watch the process before you begin.
    • Avoid common mistakes.

    Why Good Driver Club Can Cost Less

    Good Driver Club is NOT auto insurance. Members continue carrying the liability insurance required by law. Instead of paying a traditional collision and comprehensive premium that is gone whether or not a claim happens, members participate in a transparent community-sharing model. This different financial structure is one reason many responsible drivers explore Good Driver Club.

    Traditional Insurance vs Good Driver Club

    Traditional Insurance

    • Fixed Premium
    • Claims & Advertising
    • Office Expenses
    • Administrative Costs
    • Limited Transparency

    Good Driver Club

    • Service Fee
    • Authorized Pledge
    • Weekly Sharing
    • Transparent Updates
    • Unused Amount Can Become Savings

    The Savings Opportunity

    Traditional Insurance

    Premium Gone

    Whether used or not

    Good Driver Club

    Unused Amount Remains Savings

    Only pay for eligible sharing

    The Good Driver Club Savings Model

    See how Good Driver Club uses a transparent sharing model that differs from traditional collision and comprehensive coverage, helping responsible drivers understand where their money goes and why unused authorized amounts may remain as savings.

    See Where Every Dollar Goes

    A simple breakdown example of how a quote amount of $500 for a 6-month plan is allocated within the Good Driver Club model.

    Service Fee 20%

    $0

    This is 20% of your total 6-month pledge

    Weekly Sharing 40%*

    $0

    Each week, membership sharing is based on the community's actual eligible repair costs, with participating members each contributing a small portion of their Authorized Pledge Amount.

    Total Savings 40%*

    $0

    If less of your Authorized Pledge is needed, the unused amount remains your savings.

    Service Fee 20%

    $0

    This is 20% of your total 6-month pledge

    Weekly Sharing 40%

    $0

    Each week, eligible repair costs across the community are totaled, and participating members each contribute a small portion of their Authorized Pledge Amount.*

    Total Savings 40%

    $0

    If less of your Authorized Pledge is needed, the unused amount remains your savings.

    *The savings of 40% are not guaranteed and actual savings may depend on the driving behavior of the community.

    *Weekly Sharing will not exceed the maximum cap of 7.5% of your Pledge Amount.

    The Key Difference

    Traditional collision and comprehensive premiums are paid whether you ever need them or not.

    With Good Driver Club, only the amount needed for eligible repair sharing is used.

    If less is needed, the remaining authorized amount stays as your savings.

    No Credit Check Required

    Please Note: Good Driver Club is not insurance. Members continue carrying liability insurance as required by law.

    Many responsible drivers explore Good Driver Club because its different financial structure may create an opportunity to lower vehicle protection costs. However, savings vary and are not guaranteed.

    Frequently Asked Questions Before You Get A Quote

    You're Ready

    You now have everything you need to request your personalized quote.

    Careful Driver Club Referral Pass

    Your Referral Code

    SPIBFC
    Quote Walkthrough
    No Credit Check Required