As car insurance premiums keep increasing, smart people are looking for lower auto insurance quotes. There are lots of assorted types of discounts available and if you can save a little money, then why not? Below is a list of general discounts that may be available to you. Check with your insurance company to see if you’re entitled.
Individual Insurance Price Reductions
These price reductions are usually given based on your performance as a driver and policy holder. The other deductions are given based on your present status in life.
Attending Traffic School If by any chance you have recently got a ticket, you may attend traffic school either online or through a traditional setting to have your ticket expunged from your driving history. Indirectly, this will have an effect of lowering your yearly auto insurance premiums
Good Student price reductions. Insurance agents know that students with higher GPAs have a lower risk of being involved in an accident. Therefore, they will usually offer deductions on your insurance policy.
Belong to a Professional Organization. Many times, if you belong to a trade or professional organization, you’ll be entitled to receive additional price reductions on your automobile insurance. This can include professions such as registered nurses, pharmacists, scientists, etc.
Senior Citizen Discount. If youre an older driver, aged 55 or over and have completed a Defensive Driving course being offered by the Department of Motor Vehicles in your state, then you may qualify for a discount.
Loyalty Credits. If you’ve been a loyal, solid, long-standing client of your insurance agent, they may reward your business with deductions too.
Keep a Clean Driving Record. If you’ve not been involved in any car accidents or have had any tickets for traffic violations, you should be able to get your insurance costs reduced.
Multi-line Insurance Discount. If you have more than one type of insurance policy with the same car insurance company, many times you’ll also be able to get better automobile insurance quotes from them.
Car Based Insurance Discounts
It doesn’t come as a shock that when getting a auto insurance policy, the insurance agent takes a look at your car. Some of these automobile insurance deductions are given because you’ve made your car safe and insurance-friendly.
- Car Air Bags. There are many types of airbags: front, rear, side-curtain, etc. The better you’re protected, the bigger the insurance discount you may be able to receive.
- Anti-Lock Brakes System (ABS). Many cars on the road today are equipped with ABS. Many car insurance firms offer price reductions if your car is equipped with this type of braking system and many states even require the insurance underwriter to do so.
Anti-Theft Systems. Any type of add-on to dissuade a person from breaking into or stealing your car can also provide you with lower insurance rates.
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This entry was posted
on Friday, February 6th, 2009 at 6:04 am and is filed under Insurance Offers, Money Management, Road Rage.
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