Auto Insurance Discounts

Regardless of which state you reside in, there are numerous things that can get you a discount on your automobile insurance. Depending on whom you get your insurance policy from also determines the discounts which you are eligible for.

Start saving time and money with your qualifying auto insurance discounts today.

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Popular Auto Insurance Discounts

Some of the most popular discounts, listed below, are available from all insurance agencies:

• Safe Drivers – Certain insurance agencies offer as much as a 45% discount on auto insurance for “safe drivers.” Of course, this discount isn’t that much from the start but increases in increments for each year you are accident free.
• Early Signing – Companies like AllState offer a discount on your new policy if you decide to leave your old insurer before the end of your policy coverage period. It’s called an early signing bonus.
• Good Student – This is a wonderful discount for parents of young drivers covered under the same policy. Having a young driver in the house means extremely higher insurance premiums. If your student can achieve good grades you can get as much as a 20% discount on your insurance premium.
• Driver Education – There are insurance agencies that offer a course on safe driving. This course is not available in all states and some restrictions apply as to who is eligible to take the course. The discount takes place upon successful completion of the course.
• Good Driver – This discount is for someone who has been driving for three years or longer and has a clean driving record for three years or longer.
• Low Mileage – This discount applies to individuals that drive a low number of miles each year. Less driving means you are less likely to get into an accident.
• Profession – Certain professions mean a discount on your auto insurance. These professions are scientists, engineers, physicians and teachers, to name a few.
• Persistency – This discount is offered by some companies and applies to people who have had auto insurance coverage and have never allowed the insurance to lapse.

Vehicle Equipment Discounts

Vehicles that are equipped with certain safety features can save you money on your insurance. If you aren’t sure whether or not your vehicle’s safety features can save you money you can ask your insurance agent. Many vehicles have this equipment standard. Look below for examples of safety features.

• Anti-Theft Devices – An alarm system, either from the factory or installed aftermarket, will get you another 10% discount on your insurance.
• Anti-Lock Brakes – Anti-lock braking systems will get you up to a 10% discount on automobile insurance premiums.
• Passive Restraint – If your automobile came with factory installed air bags you are going to get a discount on your automobile insurance. Motorized seatbelts are belts that automatically restrain you when you start the car.

Multi-Policy Discounts

Some examples of a how you can bundle your existing insurance policies with a new car insurance policy are listed below:

1. These policies will give you a discount on your automobile insurance if you have a home or apartment and bundle your homeowners insurance or renters insurance with your car.

2. Having more than one automobile can also qualify you for the multi- policy discount.

3. Recreational items such as campers, trailers, ATV’s and motorcycles in addition to a car will qualify you for the multi-policy discount.

Some people will take advantage of this discount by insuring their home or rental property and vehicles with the same company. When comparing insurance agencies, if you are considering a multi-policy type of coverage you should take the time to make sure the insurance agency offers coverage for whatever you have to insure. Not all automobile insurance agencies offer homeowners insurance and vice versa.

Having more than one item covered with your insurance policy can mean not only your home and automobile, it can be a recreational vehicle and an automobile or a motorcycle or ATV. Regardless of which kinds of insurances you need you have to make certain you inquire as to what is covered by each agency.

Ask for Help

Certain discounts are not available in every state. It is important when looking for automobile insurance to inquire about which discounts may apply to you. Some insurance websites will give you a list of discounts you may qualify for by just putting in the state in which you reside.

Be sure you don’t get caught up in discounts. Just because you get a discount with a certain insurance company does not mean that company will be the lowest rate for you. The key to finding acceptable insurance for you at the lowest rate is to search the internet and call as many companies as you need to in order to find the best rate.

If you are in doubt about a discount you need to ask. If you don’t ask you are the only one to blame if you end up paying too much for your automobile insurance. In addition, before you decide to switch companies or agencies you need to get in contact with your current insurance company and inquire as to whether there are any additional discounts you may qualify for. This is especially important if you have been with the same company for a long period of time.

Choossing the Right Auto Insurance Policy for Your Discounts

Research is the name of the game when looking for the best insurance rate. Look for the most discounts but don’t get caught up with just the discounts. Remember, discounts do not ensure the lowest rate for your insurance needs. To begin your search in finding the right auto insurance company simply enter you zip code below and instantly compare auto quotes!