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Car Insurance Discounts

In a nutshell...
  • Taking a driver’s safety class will help you get discounts
  • Always ask about multi-policy discounts
  • If you have a B or higher, car insurance companies will offer you discounts

Car insurance premiums can account for a fair portion of your monthly budget and depend on where you live the cost of car insurance can vary greatly.

However car insurance is not solely dependent on where a vehicle is registered but a combination of factors including your credit score, the type of vehicle insured, how the car will be used, the number of drivers in a household, your driving record and much more.

If calculating car insurance premiums were not complicated enough the formula for determining how much a driver pays for car insurance also varies from one car insurance company to another.

Car insurance discounts are a great way to save money, and many drivers take advantage of multiple discounts leading to generous discounts on premiums.

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Good Driver Discount

Good drivers benefit the most and can often save up to 20 percent or more by having a clean driving record for three or more years. A clean driving record is one free of claims, accidents, and moving violations.

While some car insurance companies look at a five-year history, most consider only the last thirty-six months.

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Anti-Theft Discount

Auto theft is a big problem, and there are many high-risk areas where your exposure to auto theft can have a significant impact on car insurance rates.

Purchasing a vehicle with anti-theft devices like sterling wheel lock, ignition lock and other time-tested, factory installed, anti-theft devices can undoubtedly provide discounts on your car insurance premiums.

However, don’t expect a loud alarm to provide much incentive – even many car manufacturers have stopped installing these since they rarely correlate to a lower risk of theft.

Multi-Policy Discount

Most insurance companies who sell auto insurance also provide other financial products.

The most common multi-policy discount is provided when a consumer has both homeowners and auto insurance with the same company however many providers offer discounts should you also bundle life, health or other products.

Always ask about multi-policy discounts since the money saved by combining a couple of your insurance needs with the same company can be cost-efficient and easier to manage.

Car insurance companies always want you to buy more insurance so the more vehicles you insure, the better your rates.

Defensive Driving Course Discount

Depending on your risk profile a defensive driving course can often save you up to 5 percent or more on premiums.

The downfall is that most drivers believe any course will do however most car insurance companies have an approved list of defensive driving schools and any direction competed outside of these institutions may not be eligible for a discount.

Before enrolling in a driving school always ask your car insurance company who they recommend.

Good Grades Discount

Young drivers have a very high-risk profile resulting in expensive car insurance premiums however those teen drivers who stay in school and maintain a B average or higher can often take advantage of lower car insurance costs.

These are the most popular car insurance discounts but the auto insurance industry is always evolving, and car insurance companies continuously find new ways to introduce savings.

It’s even worth calling around and asking agents about what discounts are most popular to get a current feel for the market before committing to a policy.

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