Discount Auto Insurance
Discount auto insurance is fairly easy to find, you just have to know what to look for by doing a little homework, can save you significant money on car insurance.
The amount of the discounts you will find will vary; some may only find you about 3% saving while others may net you 25% to 30%. Still others might be focused on saving you money on certain insurance types such as comprehensive or collision.
Safety Can Save You Money
A vehicle’s safety rating is always an important consideration when purchasing a car because it will directly affect your car insurance premiums. The safer a car is considered, the more it will save you when it comes time to purchase an insurance policy.
In addition, a features such as anti-lock brakes (ABS) and anti-theft systems, which routinely come standard on many new cars can also lower your insurance costs. Other safety items that can possibly save you money are daytime running lights, automatic seat belts, VIN etchings, and so on.
Discounts on Coverage
Various coverage discounts are often available such as in the form of multi-car coverage so insuring all your cars on the same policy is a good idea. In addition, if your insurance company offers other insurance policies such as homeowners and renters insurance, you can often get a discount for bundling your policies together.
Finally, while shopping around is sometimes be the best policy for finding cheaper car insurance, remember that most companies offer loyalty discounts if you renew with them. This is an important factor to consider before you make the jump to a different company.
If you are a safe driver then you can find discounts for simply being yourself. If you maintain a clean driving record free of tickets and accidents, you can easily qualify for a Safe Driver Discount. The same goes for your credit record. Insurance companies typically check a driver’s credit score so they can better gauge how responsible a person you are and the type of risk you pose. In either case, it’s a good idea to check your driving record and credit report for errors on a yearly basis.
In other cases, such as with new and teenage drivers, they can take proactive steps such as driver education or approved defensive driving courses to help defray car insurance costs.
Other Ways to Save
You can find other discounts in the form of membership in certain groups and organizations.
Military personal both retired and active duty can usually find excellent car insurance discounts. Other discounts may be offered for belonging to a professional group, business organization, or a credit union.
Some states and certain insurance companies offer discount for teachers who belong to the National Education Association (NEA) or state education associations. Senior citizens can qualify for car insurance discounts as well as those who drive only very occasionally or amass fewer annual miles than average. Other discounts may be available for people who carpool or use public transportation.
It’s easy to see how you can find auto insurance discounts and save money on your premiums. All you have to do is a little homework and you could start saving today.