Who doesn’t love a good bargain? Shopping for car insurance is no different. In fact, with so many car insurance discounts available, you are more likely to find a few that will help lower your insurance premiums. Check them out and don’t forget to ask your car insurance company to help you save money today.
Safety
Purchasing a car with safety or security equipment is a good place to start. Many features are worth considering to get a discount, as well as saving your life.
Even adding some security or safety features to your car yourself, if you don’t already have them, can help you save as well.
Good Driver
Yes, it pays to drive the speed limit!
Having a clean record, no traffic violations and avoiding at-fault accidents can lead to great savings on your car insurance.
Some companies offer “pay as you drive” rewards and your premium is determined by your usage. Taking a driver’s education course or a defensive driving training can even get you a discount. It varies from company to company so be sure to ask your car insurance company if this applies to you.
Bundling/Renewal
The more you bundle usually leads to a greater discount on each policy.
Even insuring more than one car can lower your premium. Being a long time, loyal customer can pay off big time when it comes to car insurance. With “early renewal” bonuses and discounts, think twice before switching companies.
Low Mileage/Usage
Things to consider when asking for a low mileage discount include the following:
- Do you live close to your work?
- Do you carpool?
- Are you retired?
- Have you purchased a second car for running errands?
You may have to sign up for a “pay as you drive” program to track your usage to qualify. If you do, you can reduce your premiums by up to 50%. Check with your car insurance company to make sure it’s offered in your state.
Occupation/Memberships/Military
Did you know having a “low risk” occupation could save you money on your car insurance? Maybe you belong to a professional organization or alumni association. Even some credit unions and auto clubs offer discounts on auto insurance. Are you or a family member an active or retired member of the military? Be sure to inform your insurance company of your education and career, military status and ask for a list of approved groups. They will be able to help you get the discounts that apply to you.
Good Student
A good student discount applies if you, or your child, do well in school and receive good grades. Insurance companies consider you at lower risk and less likely to get into accidents so they reward you by saving you money. Make sure you ask your car insurance company for qualifying details.
You may eligible for one or all of these discounts and that can add up to some really big savings. Make sure you apply for all the discounts you qualify for and you will be well on your way to affordable car insurance coverage.
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