You Qualify for Discount Auto Insurance
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by: laurawilder
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Do you need to save money on your auto insurance? Discount auto insurance can put hundreds of dollars back in your pocket. Here are some money saving discounts that will not force you to give up coverage:
• Discounts for being a safe driver. If your driving record for the past several years is clean, you may be able to get a discount for being a safe driver. You may also get a discount for taking a defensive driving or accident prevention class. If you qualify for a safe driver discount, but another driver in your household does not, you may need to discuss the possibility of putting them on another policy. • Safe car discounts. Many insurance companies will give you a significant discount if your car has automatic safety features like anti lock brakes, automatic seatbelts, airbags, and anti theft devices.
• Infrequent driving discounts. If you drive under a certain number of miles per year (say, 5,000), you may be eligible for a discount because you do not expose yourself to as many chances for accidents. Driving to work may raise your premium, so if the rate hike is high enough, you may want to consider taking public transportation to work.
• Discounts for taking out multiple policies with the same lender. If you have another type of insurance, like homeowners insurance, getting your auto insurance at the same agency could get you a considerable discount. Moving all your auto insurance policies to the same lender can also save you money.
• Club discounts. Certain organizations buy their members a small discount (usually about 3%) with certain insurance agents. Check all the clubs and other organizations you belong to and find out whether they offer a discount. If the answer is no, joining AAA may be an answer. AAA has arranged a 3% discount at a wide array of agencies that offer discount auto insurance, and on top of all the regular benefits AAA gives its members, the annual fee is likely to be less than the amount you save on insurance because of the AAA discount.
• Loyalty discounts. Many insurance agencies reward customers who stay with them by offering long term policyholder discounts after the customers have been with them for a few years.
Moving to discount auto insurance doesnt have to mean giving up protection. You can knock well over 30% off your auto insurance premiums just by driving safely, owning a safe car, and bundling your insurance policies, and you can drive your premiums even lower by belonging to the right clubs and staying with your lender for a few years. As you shop for discount auto insurance, be aggressive in finding out what discounts you are qualified for. You may be pleasantly surprised to see how low your premium can be.
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