Do you really know about auto insurance discounts?
Many individuals assume that a clean driving record is all that is necessary to achieve auto insurance discounts. However, there are a number of things that can help many motorists achieve lower rates; all it takes it a bit of research and a bit of your time to take advantage of these discounts.
In fact, auto insurance discounts can save you as much as 20 percent on your auto insurance policy, even before you factor in your driving record.
Here is our list of key discounts you may qualify for:
- Ticket-free Discount- In addition to a clean driving record, you should also consider your tickets and other parking violations. Many motorists assume that they can achieve low auto insurance rates because they are free of moving violations; however, parking tickets may also tarnish your driving record and disqualify you from an accident-free auto insurance discount. Check out your state’s discounts for drivers with clean driving records; you can save as much as 30 percent!
- Good Student Discount – If you have a teenage driver, you may be quite apprehensive about paying the hefty auto insurance rates that come along with insuring a teenage driver. However, there are a few factors that you may want to consider when thinking of auto insurance discounts. For example, you auto insurer may offer you a nice discount if your teenage driver took an advanced driver course. In addition, many insurance companies offer discounts for teenagers who receive good grades in school; students who receive at least a B average are often eligible for discounts of up to 15 percent.
- Defensive Driving Discount – If you are a senior and take a defensive driving course you may be eligible to receive a discount of about 5 percent; many of these courses are offered through AARP or you other state governmental agencies.
- Military Discounts – An individual on active military duty, retired from the military or a member of the National Guard or reserves can receive an auto insurance discount through many different auto insurance companies.
- Multiple Policy Discount – Purchasing multiple policies through the same company can save you big when it comes to auto insurance. Consider bundling your policies through the same insurance company (home, auto, life, etc.) and ask about the savings you will enjoy.
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