Car Insurance Discounts
Many insurance companies offer discounts, so it’s always a great idea to get multiple quotes. Not all discounts are created equal! Ask each company what discounts are available and make a note of the ones that apply to you. You don’t have to wait until your policy is up to shop around. Additionally, your own insurer might not alert you to the discounts you’re eligible for unless you ask.
While most insurance carriers list their discounts on their website, a simple phone call may reveal more information. If you discover better rates and discounts outside of your existing insurance company, move your policy to the more affordable carrier right away. Keep reading for a list of discounts you should ask about:
Customer Loyalty Discounts:
- Bundled Policies
- Early Renewal
- Multi-Car
- Multi-Line
- Loyalty
Demographic Discounts:
- Good Student
- Homeowner
- Low Income
- Senior
Driver Affiliation Discounts:
- Affinity (Discounts through employer, school, club or membership)
- Emergency Roadside Assistance
- Military
Driving History Discounts:
- Accident-Free
- Good or Safe Driver
- Low Mileage
Driver Training Discounts:
- Defensive Driver course
- Driver’s training
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Equipment-Related Discounts:
- Anti-Lock Brakes
- Anti-Theft
- Hybrid Car
- New Car
- Safety Equipment
Payment Discounts:
- Auto-Pay
- Paid-in-Full
- Paperless Billing
When you’re comparing quotes for auto insurance, it can be easy to go for the lowest premium. However, this may not always be the best strategy. Make sure you understand what insurance coverage you have, what you need, and what your out-of-pocket expenses will be. By carefully reviewing providers and their discounts, you could find the right insurance for your needs while also saving hundreds of dollars every year.