Finding 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 save you hundreds of dollars a year. 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 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 agencies offer discounts for cars with safety features like airbags, automatic seatbelts, anti lock brakes, 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. You may also pay a higher premium for driving to work, so consider taking public transportation if the difference in the premiums is high enough.
• Discounts for having more than one type of insurance policy 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. Insuring multiple cars with the same lender can also drop your rates.
• Discounts for club membership. Certain organizations buy their members a small discount (usually about 3%) with certain insurance agents. Look through the membership information of all the organizations you belong to to discover whether they have arranged a discount. If not, consider joining AAA. 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. If you stay with the same insurance agency for several years, you may be eligible for a long term policyholder discount.
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 get quotes for discount auto insurance, make certain the agent signs you up for all the discounts you are eligible for. You may be pleasantly surprised to see how low your premium can be.
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