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Auto Insurance
Discounts To Ask About
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 Discount. If 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 Discount. This 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 Driver. This 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 Features. Car 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 Devices. Devices 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 Course. In certain states if you have taken a defensive
driver or car safety course you will be able to get an insurance break.
Good Student. In some states if you are a full-time student and maintain a B grade
point average or above you can qualify for a discount.
Military. In 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.
AARP. The older generation can sometimes now get an AARP discount.
Profession Based. A 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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