Car Insurance Discounts
An easily overlooked way to lower you car insurance cost is to forget to ask for available discounts.
Discounts vary amongst car insurance companies, and from state to state. Here are examples of discounts that may be available in the state you live and with companies that offer car insurance. There is no harm in asking, and car insurance discounts can make a big difference in your savings.
- Anti-theft Device
- Anti-lock Brake System - ABS
- Passive Restraint - airbags
- Side Airbags
- Stability Control System
- Careful Driver
- ‘Top tier’ rating
- Homeowner
- Multiple Car Owner
- Claim free record (over 3 years)
- Loyalty program
- Defensive driving course certification
- New car
- Economy car
- Senior citizen
- Married
- High-graded student
- OnStar service
- LoJack installed
- Window glass VIN engraving
- Low mileage driver
- Car pooling
- Car club membership
- Employer program
- Business association
- Professional affiliation
- Online application
- Full payment option
- Protected parking
- Secured garaging
As you can see, there are many possibilities that could lower your insurance risk and rates so that you can get a discount. Discounts can vary from 5% to 25%, providing significant savings. Don’t forget to ask when shopping around for cheaper car insurance. Since insurance companies change their policies periodically, you should review on a yearly basis what your coverage is and if you become eligible for discounts, or whenever your circumstances change.
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