There isn’t a person on the road that wouldn’t mind saving a buck or two on car insurance. Even with there being hundreds of options, providers and packages to choose from, it can never be too affordable. And the good news is there are a number of auto insurance discounts that can help you save a buck or two.
The list of auto insurance discounts can essentially be broken down into two categories; common and limited. There are those discounts that can be received by just about anyone and the other kind that require specific situations or circumstances. Let’s first take a look at the common discounts for everyone.
If your policy or household insures more than one vehicle through the same insurance company you are often times able to receive a discount. This is one reason why a lot of parents will put their new teenage son or daughter on their plan to get a discount.
Along the same lines is a multi-line discount. This is for people who purchase homeowner or renter insurance through the same company they have car insurance under. Of course, there are certain companies that only offer auto insurance or only home insurance. But the many out there that offer both may give you a discount for your double service.
As expected, just being a safe driver can save you a great deal through auto insurance discounts. Companies like to insure those who have a clean record of accidents, tickets or claims over the last three to five years and longer. Companies can easily identify this by checking your driving record.
The next category known as limited available discounts begins with defensive driver or safety course. While not all states offer it, taking a defensive driver or car safety course can give you a break on the insurance end.
There is a common perception that students and teenage drivers are dangerous. There are statistics out there to prove this point, but that doesn’t mean all teenagers on the road should be punished. In fact, some states will reward full-time students who can maintain a B grade point average or above by offering a discount.
Lastly, a lot of states will honor the brave men and women that protect this nation with auto insurance discounts. Active or retired military members can take advantage of a price reduction if located in the right state. Along with this, there are other special discounts available if the personnel are shipped overseas.
No one openly seeks high insurance premiums, but it is amazing how few actively look for discounts and ways to reduce those high rates. Whether it is special circumstances or just an average Joe looking for cheaper rates, there are a number of auto insurance discounts to be had.