Auto Insurance Discounts To Ask About
Provided By: CarInsurance.com
You do not have to be the best driver on the road to be eligible for discounts through your insurance company. Asking about available discounts is a great way to lower your premium. Here is a list of possible discounts that may be available to you through your auto insurance company.
Most Common Discounts:
Multi-Vehicle or Multi-Driver DiscountIf your household insures more than one vehicle through the same insurance company it is likely you will qualify for a discount. This holds true for having multiple drivers in the household all insured by the same company as well.
Multi-Line DiscountThis is for usually available to you if you purchase your homeowner’s or renter’s insurance policy through the same company that you have your car insurance with.
Safe DriverThis is typically for the driver that has not had any accidents, tickets or claims in the last three to five years or even longer. This discount is usually done after a check of your driving record.
Safety FeaturesCar safety features are items such as airbags, automatic seatbelts, and anti-locks brakes. This is a good list to have when shopping for a new car.
Anti-Theft DevicesDevices such as car alarms, VIN etched windows, Lojack, On Star or disabling devices such as fuel or ignition cut-off switches.
Other Limited Available Discounts:
Defensive Driver or Safety CourseIn certain states if you have taken a defensive driver or car safety course you will be able to get an insurance break.
Good StudentIn some states if you are a full-time student and maintain a B grade point average or above you can qualify for a discount.
MilitaryIn certain states active or retired military members may be able to take advantage of a price reduction. There are also other special discounts if they are shipped overseas.
AARPThe older generation can sometimes now get an AARP discount.
Profession BasedA few companies have done risk studies and found that people with college degrees and in certain professions are less likely to have claims. A few of the professions that might be available for this type of discount are educators, engineers and scientists.
These are not necessarily the only discounts available to you through your insurance company or in your specific state. To find out what discounts you may be eligible for ask your agent or insurance representative. If there are no discounts available to you at this time remember to check back later in the year to see if any new discounts have arisen.
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