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One of the most common ways to save on auto insurance is knowing what kind of discounts are offered. Some discounts are obvious, while others have to be asked for. Some auto insurance companies are not quick to offer discounts, but have many to be had, if you know what to ask for.
Multiple vehicle discount is the most common auto insurance discount. When you insure two or more vehicles on the same policy, you are eligible for a multiple vehicle discount.
Multi-line discounts apply when you carry several policies with the same company. For example, if you have renters insurance, auto insurance, boat insurance, and motorcycle insurance with several different companie, grouping all these insurance types under one company can qualify you for a substantial multi-line discount and save you money.
Anti-theft devices come on many new model vehicles. For some vehicles this is a tracking device, on others it is simply turning the vehicle off after so many miles if it was hot wired. You should check with your company and see if your vehicle qualifies for things time of discount.
Preferred Parking or some other form of secured parking, may make you eligible for a discount on your auto insurance rates. Consider this, the auto insurance company would much rather not have to pay for someone running into your vehicle in an apartment parking lot.
Low Mileage is another way to save on your premiums. If you drive very little it may be worth mentioning to your agents or the company that you are insured with and go over your yearly mileage. The average American drives about 12,000 miles a year. If you fall below this average you maybe eligible for a discount. Being on the road less reduces the odds of you needing to file some sort of claim.
Retiree discounts are common among insurance companies. Keep in mind these are different from elderly discounts. Talk to your agent and find out which you may qualify for.
Safe driver discounts come in effect if you have never had to file a claim due to an accident. You can also be eligible for this discount if you have taken a drivers safety course. Insurance companies love safe drivers and tend to reward them.
Good driver discounts, are not to be confused with safe driver, good driver discounts apply to those who don’t acquire speeding tickets or other types of traffic tickets.
Now that you know a few of the discounts offered, talk with your agent and see what discounts you may be eligible to receive. There may be ever more discounts your company offers so do not be shy about asking. Many of these discounts all stack on top of one another. Once you have a few discounts in place you will really start to see savings.