Auto insurance discounts

 

Every Insurance company offers auto insurance discounts many are fairly normal throughout the industry.  You should know the discounts that are  available to you  before you shop for a new Auto insurance  policy. Below is a list of discounts available and how to qualify for them.

  • Good Driver: All drivers in the policy must be ticket and accident free for the past 3 years.
  • To qualify for this discount none of the rated drivers in the policy should have a ticket or an accident with in a 3 year period.
  • Driving a Safe car: Insurance companies place a score or a symbol on cars which have been tested for stopping injuries during an accident.  To qualify the car must be equipped with Air bags, passive restraints, and anti lock brakes. The Safer the car the higher the discount.
  • Low annual miles: The annual mileage you operate your vehicle.  To qualify for this discount you only need to tell the company the miles you operate the car. Low mileage is normally under  4000 miles. *
  • Multiple cars discount: A discount for having more than one vehicle. To qualify for this discount more than 1 car must be with the same company.
  • Multi-line discount: When an insured has other lines of business through the same company such as a home, motorcycle, motor home, boat, renters, and/or life insurance. To qualify for this discount you must insure at a car and at least 1 other item listed above with the same company.
  • Homeowner’s discount: Buying a house or owning a house. To qualify you must simply be buying a home.
  • Longevity discount: Many companies will allow for a lower premium primarily based on the time an individual has been with the same insurance company.  To qualify for this discount you must be insured for a period longer than one year with the same company.
  • Student drivers training course: One of the crucial discounts for young drivers living with parents. To qualify you the student must have gone through the drivers training course must show a certificate of completion
  • Good Student: Must be a full time student under 25 years of age and have a combine 3.0 gpa. To qualify you the student must have a gpa of 3.0 or higher student must show proof from the school of the gpa.