How to Get Auto Insurance Discounts

Take advantage of the auto insurance discounts available to save money on your car insurance. Every insurer offers discounts, although the types and amount of discount will vary from one auto insurer to the next.

Be sure to ask about available auto insurance discounts when you shop for coverage. Even if you do not plan to change insurance companies, have a talk with your agent to make sure you are receiving all of the discounts for which you qualify. Knowing some of the types of auto insurance discounts available will ensure that you ask the right questions and do not overpay for insurance.

Difficulty: Easy

Instructions

1. Cover all of your vehicles with one policy. If your family has more than one car, take advantage of the multi-vehicle discount. This may apply not only to cars, SUVs and pick-up trucks, but to motorcycles, recreational vehicles, boats and other vehicles, too.

2. 
    

   Combine multiple lines of insurance with one company. When you have homeowners or renters insurance, liability insurance, auto insurance and other lines with the same company, you can save.

3. Stay with one company. Although it can pay to shop for better rates, once you find a good company staying with them can save you money. Many auto insurance companies give discounts to long-term customers.

4. 
    

   Drive a safe vehicle. If your vehicle is rated highly by the National Highway Traffic Safety Administration you may qualify for a discount. And safety features (such as air bags and anti-lock brakes) and anti-theft devices (such as alarms and kill switches) not only keep you and your car safer, they can save you money, too.

5. 
    

   Drive safely. Accidents and moving violations will cause your rates to go up, while driving safely and avoiding costly accidents and traffic tickets will save you money on your auto insurance.

6. Drive less. The less your car is on the road, the fewer opportunities there are for accidents. If you do not use your car to commute to work, and you drive fewer miles than the average driver, you may get a discount.

7. 
    

   Get educated. Most auto insurance companies offer auto insurance discounts for completing driver safety or defensive driving courses. Your teenager may get a discount for taking a driver education class. High school and college students can also save money on auto insurance when they get good grades.

8. 
    

   Get a discount for your career. Some companies offer discounts to those who have a college degree in certain areas, such as engineering or science, or to those engaged in specific occupations, such as teachers or members of the military.

9. Get affiliated. Members of some associations and organizations qualify for group discounts. Be sure to ask the groups to which you belong about available auto insurance discounts.

[sonni57]

on 4/13/2009 Good tips on how to get auto insurance discounts.

[cybilfrost]

on 4/7/2009 Great advice! I should take a defensive driving course to lower my insurance a bit. 5* and recommend!