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Available Discounts Can Reduce Your Auto Insurance Premiums

Paying Too Much for Auto Insurance?

Do you know about all of the available discounts available for your auto insurance? Like the Following:

  • Defensive Driving discount
  • Good Student Discount
  • Good Driver Discount
  • Multi-Policy Discount
  • Safety Feature Discounts
  • Anti Theft System Discount
  • Low Mileage Discount

Personal automobile insurance can be expensive, but did you know that auto insurance companies offer discounts that can save you serious money?  Ask your independent insurance agent about the many types of auto insurance discounts available. Keep in mind that not every discount listed below is available in every state or with every carrier:

Defensive Driving Discount – Reduce your risk of accidents by taking a defensive driving class, and many auto insurers will give you a discount on premiums. These courses usually last from 5 to 6 hours and train you to recognize road hazards and how to react in enough time to prevent accidents. The fee is about $20.00, but successful completion can earn you a 3-year, 10 percent discount on liability, medical payments and collision coverage.

Good Student Discount – Who ever said that good grades don’t pay off?  Earn good grades in school and your carrier may reward you. That’s because statistics show that good students make better drivers because they are more mature and reliable. Many states allow a 5 to 10 percent discount if your student driver makes good grades, usually an overall “A” or “B” average in high school or college.  So get a copy of the report card and send it in to your auto insurance agent.

Good Driver Discount – Keep your driving record clean and you can save money on your auto insurance. If an insurance company’s risk is lowered, it will pass the savings on to you.

Home/Car Discount (or Multi-Policy Discount) – Purchase both your homeowners insurance and automobile insurance from the same carrier, and you may receive a discount of 10 percent or more, which will lower the premiums on both policies.

Multiple Car Discount – Insure two or more cars with the same carrier, and you may be eligible for a discount on both cars’ coverage.

Model-Related Discounts – Buy a car that has been assigned a high safety/anti-theft rating. Industry agencies rate every car model based on its collision history and the number of injury and theft claims associated with it. The higher the rating, the more probability of insurance premium discounts. Choosing a car with a lower rating can significantly raise a premium because of the higher risk factor.  So keep this in mind when deciding on whether or not to buy that high performance sports car…

Protection from Physical Damage/Theft – Choose options that protect your car from physical damage and theft, and you may receive a discount. Many insurers reward consumers who reduce risk by opting for anti-lock brakes, airbags, alarm systems and other security devices.

Low-Mileage Discounts – IF you have a car that is used for limited miles each year, your carrier may offer you a discount. That’s because the less time the car spends on the road, the less of a possibility there is for an accident.


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