Auto Insurance Discounters

• High Deductibles - One of the easiest ways to reduce your premiums is to carry higher auto insurance deductibles. The deductible is the amount you have to pay before the insurance policy pays.
  
  
• Multiple Vehicle Discounts - If you insure more than one car, some insurance companies will reduce your rates by 10 percent or more.
  
  
• Accident Free - If you have a good driving record with no accidents you will be able to get a discount for having no accidents. Some companies will even give you a discount if you just have no accidents in the last 3 years.
  
  
• Multiple Policy Discounts - You can get discounts if you buy more than one type of insurance with the same company. You can purchase other insurance like homeowners, renters, boat, motorcycle, or RV insurance as well as car insurance. The more you get through the same company, the better the rate.
  
  
• Low Mileage - If you drive fewer miles than the average, you may be eligible for a low mileage discount. You could even qualify for this discount by participating in carpools, etc.
  
  
• Group Insurance - If you can get insurance through your employer or from your membership in a club or an alumni group, you can get cheaper rates as part of a car insurance group policy.
  
  
• Safe Driving - Auto insurance discounters offer reductions in premiums for people who have no moving violations for several years. You are considered a safe driver and at less risk of filing a claim.
  
  
• Defensive Driving Course - Taking a defensive driving course is another way to get a car insurance discount. Sometimes you can even get this for taking basic driver's training.
  
  
• Good Student - If you (or your teenage child) have good grades in school, you may be eligible for a good student discount.
  
  
• Older Driver - Many auto insurance discounters give special rates to drivers who are over 50 or 55 years old.
  
  
• Anti-Theft Devices - If your vehicle is equipped with anti-theft devices you can be offered lower rates on your comprehensive coverage. You can get specific discounts for specific devices, so if you have more than one, claim each discount.
  
  
• Safety Features - Having a car with safety features like air bags, day time running lights, and anti-lock brakes can make you eligible for an auto insurance discount. Again, these can add up for each safety feature you have. Be sure to ask for specifics. Don't let them just lump it all together because you probably won't save as much.
  
  
• Long Time Customer - If you have been with a company for several years, check to see if they will offer you a discount for being a long time customer.
  
  
• New Business - Some companies will offer discounts to those who are starting a new business. Keep that in mind.

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