Insurance Discounts

Common Discounts You Should Look Out For

As you look for discount car insurance rates, you will find that most providers offer a wealth of deductions to reduce your premiums. Here are some of the most common types of discounts.

Auto Insurance Discounts
  1. Multiple policy - one thing you will want to investigate when doing auto insurance research is the possible money you could save by taking out more than one policy with your provider. Most insurers offer substantial savings on coverage if you hold more than one policy with the company. For example, you might take out a homeowner's or renter's insurance policy with the company.
  2. Good student - this usually applies to those between then ages of 16 and 25 who are full-time students and have a "B" average or better. Find out the specifics when you search for policies.
  3. Safety discounts - as you look for car insurance, you will find that most providers offer significant deductions for certain safety equipment on your vehicle. For example, you might receive discounts for air bags, anti-lock brakes, daytime running lights, etc.
  4. Anti-theft devices - if your car is equipped with an alarm or other anti-theft system, you could save as much as 25% on the comprehensive portion of your premium.
  5. Defensive driving - some insurers offer incentives to drivers who complete a defensive driving course. When you're researching protection, ask prospective companies if taking the course will reduce your premiums.
  6. Good driver - many insurers offer deductions of up to 25% for drivers who have been accident-free for the past five years.
  7. Multiple vehicle - if you insure more than one vehicle with the same insurance company, you may qualify for the multiple vehicle savings. Find out how much you can save with this when you look for coverage.
  8. Professional group - you may belong to an organization or group that receives special incentives from your provider. Ask for a list of such organizations when looking into online car insurance.
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