Discounts on Car Insurance
Most people can find discounts on car insurance if they look; the problem is that too many consumers don't realize these discounts are out there. While insurance companies offer a variety of car insurance discounts, some of these you actually have to ask for so it is wise to know which discounts you might qualify for in order to make sure you get all the discounts for which you are eligible. In the following paragraphs we'll take a look at some of the ways in which you might qualify for car insurance discounts.
Driver Discounts
Some car insurance discounts depend on the driver; that is, you. If you haven't had any tickets or accidents within a certain period of time, usually from three to five years, then you might qualify for a safe driver discount. Some drivers can qualify for discounts if they take approved driving classes such as driver education or defensive driving classes. When looking for insurance for your car cheap, compare insurance quotes from several companies and be sure to ask about all the discounts for which you may qualify.
Vehicle Discounts
The vehicle you drive can make a big difference when it comes to qualifying for discounts on your car insurance. Safety features such as airbags, automatic seat belts, and anti-lock brakes could qualify you for discounts on your auto insurance. Some cars are even rated for safety so if your vehicle is considered a "safe" vehicle, you could qualify for discounts on your car insurance policy.
Anti-theft devices, such as vehicle alarms and VIN number window etching could also qualify you for discounts on your auto insurance. With all the discounts related to the vehicle you drive, it would be prudent to keep this in mind when you are shopping for a new vehicle. While most people realize that if they drive a sports car, they will pay more for auto insurance than they would if they drove a sedan, many people don't realize how much the features on the vehicle they drive can save them on car insurance.
Multiple Discounts
While you should always shop around for any of your insurance needs, if you are able to carry more than one insurance policy with the same company, in many cases, you could be eligible for insurance discounts. Whether you are insuring more than one vehicle or have your home and auto policy with the same company, most of the time you will be eligible for a multi-line discount so keep this in mind when you are shopping not only for car insurance but for all of your insurance needs. When looking for a policy for your auto car, cheap insurance quotes are just an Internet address away as most of the larger insurance companies maintain websites and offer free quotes online.
Other Discounts
Your profession can earn you discounts on car insurance in some cases. 21st Century Auto Insurance, which can be found online at www.21st.com offers car insurance discounts to those who have at least a bachelor's degree in one of any number of science or engineering fields. In addition, teachers can also qualify for discounts on car insurance with this company and others. Another car insurance company that offers discounts for educators is Ohio Casualty and they can be accessed online at www.ocas.com.
Some car insurance companies, such as AARP, which can be accesses at www.aarp.org give car insurance discounts based on age for those 55 years old and older. Belonging to a professional organization can also reward you with car insurance discounts so regardless of which one you might belong to, be sure and ask your agent about this type of discount.
It should be noted, however, that not all discounts are applied to the base rate of your insurance policy. Some insurance discounts only apply to certain types of coverage and so if you do not take out that particular kind of coverage then you would not qualify for the discount. For example, having an ABS brake system may qualify you for discounts but those discounts, at least with some companies would only apply to the collision part of your policy. Different discounts may apply to different parts of your policy so be aware of which part is being discounted so you don't expect a discount on the base rate if the discount that you qualify for applies to a different part of your policy.
Active and retired members of the military can enjoy car insurance discounts from some companies, including Geico, which can be found at www.geico.com. Geico also offers members of the military the option to drop certain coverages if they are shipped overseas so this is another perk that is worth checking out.
Another thing to be aware of when shopping for car insurance and car insurance discounts is that not all discounts are available in all states so that is something else to take into consideration when shopping for car insurance. Although it can take a little legwork, with many insurance companies offering free online quotes, it is relatively easy to take the time to comparison shop for car insurance these days. It can be well worth the effort, especially if you qualify for some of the above mentioned discounts.
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