AUTO INSURANCE ARTICLE
Auto Insurance Discounts Available to Drivers
By: AutoInsuranceGuyAsking about auto insurance discounts from your car insurance companies is a great way to lower your costs. I have written down some possible discounts that your auto insurance company may be offering. It may be worth asking for these to get the most affordable auto insurance.
Safe Driver Discount. This discount is available to drivers who have clean driving records, who have not had any accidents for a number of years and who has no tickets or violations. Auto insurance companies like safe drivers because safe drivers have a very low probability of filing for claims.
Safe Car Discount. Try to install or at least make sure that your car has all the safety devices such as automatic seatbelts, airbags and antilock brakes. The safer your car, the more discount you can avail and the more money you can save. You can start cleaning up your driving records so you can get this discount.
Multi Vehicle or Multi Driver Discount. If you get auto insurance for your different cars under the same auto insurance company then you are most likely to get discounts. This is also applicable if you insure multiple drivers under one car insurance company.
Multi Line Discount. If you purchase your homeowner’s or rental’s insurance and auto insurance under one company, you may be eligible to get huge discounts. Insurance companies like it when you buy more than one service from them and thus they will usually give you lower rates.
Defensive Driver Course Discount. There a number of defensive driver or safe driver courses you can take. If you have taken any of these, inform your car insurance company so that they may lower your premiums. Defensive drivers are not likely to get into accidents and are less likely to file for claims.
Student Discount. Good grades can earn you auto insurance discounts so make sure you always ask your auto insurance companies for this. Their minimum requirements are normally B grade point or higher.
Military Discount. In some states, military personnel can take advantage of significant discounts on auto insurance. Additional discounts may also be available for those who are deployed overseas.
Low Mileage Discount. If you don’t drive to work and take the bus or carpool instead, then you are definitely in for huge discounts. Car insurance companies now look at how often you drive and even how far you travel. If you drive less than 10,000 miles a year make sure you let your auto insurance company know so they can give you a lower rate.
Loyalty Discount. It always pays to be loyal to an auto insurance company. They will most likely give you a discount for renewing your policy and the benefits also increase as you stay with them longer. Some car insurance companies even give accident forgiveness to long-time customers.
These may be small things but if you add up all the discounts you have availed then you will realize that you have saved a lot of money. The bottom line is to always ask your car insurance agent for discounts—it never hurts to ask!