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 discounts you can get without sacrificing 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. Taking an accident prevention or defensive driving class may also get you a discount. If another driver on your policy does not qualify for a safe driver discount, but you do, you may want to find out how much the savings would be and consider putting the other driver on another policy. • Discounts for safety features. 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. The less you drive, the less likely you are to have an accident. If you drive fairly infrequently, adding up to fewer than 5,000 or 7,000 miles per year, you may be eligible for a discount. 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 homeowners or renters insurance, bundling your auto insurance with it could save you a significant amount. Insuring multiple cars with the same lender can also drop your rates.
• Club discounts. Many clubs and other membership organizations arrange for a discount, often about 3%, with particular agents or agencies. Look through the membership information of all the organizations you belong to to discover whether they have arranged a discount. If the answer is no, joining AAA may be an answer. Most agencies offer discount auto insurance for AAA members, and in addition to all the other benefits AAA offers, the annual fee may be less than the money you save at your insurance agency.
• Discounts for loyalty. Not changing insurance agencies every few years can have its rewards. Many agencies encourage customers to stay by offering discounts to policyholders who stay with them for a set number of years.
Discount auto insurance doesnt have to mean low coverage auto insurance. 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 surprised to see how much money you can save with the right discounts.