Auto insurance discounts to save money withDiscounts, discounts, discounts. We're looking for one when buying clothes. We strive to get a discount at our regular dining place. We want to get one when buying a new car. And when it comes to auto insurance things aren't as much as different. Discounts are used to encourage and reward specific types of customers that pose lesser risk to auto insurance companies. And this involves quite a lot of factors you may be eligible for. So if you want to save some money on auto insurance without comparing auto insurance quotes, here's a short overview of the most common discounts to look for with your provider:
Good driver discountGood drivers with clean driving records may opt for the respective discount. Yet, there's a catch. Your record should be prolonged in time (at least 5 years) in order to get the discount. If you're a new car owner you may be required to stay with the company for a couple of years, avoid any accidents and tickets, and only then you'll get a discount. Another way is to go to safe driving or defensive driving courses and get a certificate after graduating – most auto insurance providers will use these certificates as a basis for your discount.
Good student discountGood students may find a way to get better auto insurance quotes than most of their young peers would. In order to get the discount you'll have to get an average of B or higher and provide the copy of your grade report to the insurance company every learning session. But let's agree, a little paperwork is nothing compared to better rates, right?
Low mileage discountIf you aren't using your car all the time and have a fairly low yearly mileage you can opt for a discount, too. The number of miles to qualify can vary from company to company, but usually it's 10,000 miles per year. If you're close to such figures you may consider leaving your car in the garage more often if it's a short walk or you can take the bus.
Multiple car discountCar insurance companies are always eager to get as many cars to insure as possible because it means additional premiums. For car owners who have more than one car there are usually discounts when including two or more vehicles to the policy. The resulting rates are usually lower than if you would buy separate policies for each car. Yet, make sure that the policy you get meets all the insurance needs with every vehicle included.
Multiple policy discountBigger insurance companies usually offer different types of insurance services. And if you get your auto, home and life insurance from the same provider you may receive a good discount. Just make sure that the policy you get meets your needs.
Here's the easy way to get the most competitive auto insurance quotes:
Select your state of residence.
Get the list of insurance providers in your state.
Quote with each company you are interested in.
Compare the quotes in terms of content and rates.
Select the most competitive quote.
Apply for a policy.
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