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When shopping for insurance products there are different means of obtaining discounts that you should be aware of before you agree to a price quotation from an insurer. Discounts are frequently offered but not well publicized which makes common sense. The incentives exist but where possible the insurer (as a for profit business) would like to secure your policy at the highest possible premium. Being aware of the industry standards and different means of obtaining discounts empowers consumers to literally ask for policy rebates or premium reductions and negotiate a rate that is fair and reasonable for both parties.
The installation of anti-theft devices on cars (or home alarm systems for residential insurance) is a fast way to secure a discount on insurance. If the alarm system is a deterrent that works to prevent damage or loss then the insurer will inevitably save on claims. That savings is passed back to the consumer with appreciation and is one of the different means of obtaining discounts on policies.
Deciding to stick with an annual policy over temporary or short term insurance is another means to secure a discount. Lowering your liability and increasing the minimum claim premium are two other ways to lower costs. If there are multiple vehicles in the household there is definitely a benefit to combining them on one policy for a rebate on the annual fee. There are many different means of obtaining discounts that are available, but you need to be prepared to request them.