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3 auto insurance discounts (The most important)

August 9, 2017

3 auto insurance discounts

We practically talk about three types of car discount, if we talk about car discounts, there are some concepts that should not be ignored and here we will give you the guidelines so you can clarify it instantly.

Auto Insurance Discounts

There are three most essential car discounts available vary widely from the insurance company to the insurance company. It can be overwhelming trying to discover all the discounts that are offered, and those that you might be able to apply to your car insurance premium.
In essence, there are 3 categories of insurance discounts, almost always the category of discounts fall into these three terms. We will explain it to you then so that you can be better informed by receiving your car insurance quotes.


auto insurance discounts
auto insurance discounts

Driver Discounts

Almost all vehicle companies offer various types of discounts to drivers based on driving history, student status, professional organizations, age, and how and when they use their cars.

Common driver discounts include the following:

  • Good driver/claim-free – Drivers with a safe driving history free of accident claims will have a great chance of obtaining discounted rates (3 consecutive years).
  • Good student – Many car insurance companies offer discounts for:
  • Being a good student (typically, this means having a B average or higher).
    Recently graduating.
  • Auto club – Some car insurance providers give reduced rates to drivers who get roadside assistance from an auto club like AAA.
  • Professional organization – Being a member of certain professional groups may save you money on car insurance.
  • Low-risk occupation – Many car insurance companies offer savings for certain professions that have lower rates of accidents and claims by drivers in those jobs.
  • Driver training – You may be able to lower your premium by completing a(n):
  • Accredited driver’s education course for new drivers.
  • Defensive driving course.
  • This option is generally offered to senior drivers.
  • Low-mileage – Many companies will offer a significant discount for drivers whose mileage falls under a certain cap.

Policy Discounts

Certain factors that don’t directly affect you as a driver, or the risk factor of your car, can still affect the premium of your policy. These considerations typically make writing your policy easier, giving car insurance companies an incentive to offer you discounts. Policy discounts include:

Multi-vehicle – You can save money by insuring multiple vehicles on one policy.

Full payment – If you pay your entire premium up front, you may get a discount for doing so.

Renewal/customer loyalty – Insurance companies like loyalty. Continuing to renew year after year can save you money.

Bundling – You can often get a reduced car insurance premium by combining multiple policies, like homeowner’s and car insurance.

Homeowner’s – You can often get a discount for owning a qualified home.

Discounts will vary widely among insurance companies, and the terms of these discounts will vary as well.

Remember to do careful comparison-shopping when purchasing car insurance, and ask about any discounts that might apply to you.

We hope you have served this post related to the auto insurance discounts we hope in another post … You may also be interested in Auto Insurance in Florida