Discount Car Insurance – Saving Money on Your Car Insurance

2007-03-08 10:33:40

( Insurance )



Car insurance is an important part of our finances. Getting a discount car insurance is definitely a must-have for many people. The good news is that there are various discount programs available to car insurance buyers who are looking for cheap auto insurance. The following discounts may be applicable to you:

If you get more than one policy from the same insurance company, you can receive a Multiple Policy Discount. For example, discounts may apply when you take out both your home insurance and auto insurance policy from the same insurer. Many insurance companies give this discount and it can be as much as 15%.

If you have a clean driving record, which means no records of accidents, moving violations and such, then you can get a discount car insurance. Insurance companies are partial to “good drivers” so you can expect lower rates if you have been a diligent driver.

Another way to get a discount car insurance is to install auto safety and anti-theft features on your car such as airbags, automatic seatbelts, anti-lock brakes, alarms, hood and wheel locks. Because these devices reduce the risk of car theft and vandalism, having them on your car can help in getting lower rates on your auto insurance. By improving your car’s security, you may be able to secure a discount car insurance.

Many insurance companies also reward considerable discounts to high school and college students who are doing excellent in their studies, specifically, if their grade point average is 3.0 or better.

Senior citizens, retirees and homemakers who are 55 years old and over can automatically get discounts. Because these mature drivers are more likely to drive defensively, they pose less risk to insurance companies.

Signing up for driver training classes can also save you money. Courses on defensive driving and accident prevention teach you all about safe driving, which reduces risks for insurance companies. Taking up these courses can give you about 20 percent or more savings in your premium.

Most car insurance companies offer these discounts so be sure to ask your agent about them before completing your purchase. Qualifying for one or two of these discounts will certainly save you money.


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