Automotive

Common Auto Insurance Discounts You Probably Aren’t Taking Advantage Of

Auto insurance does not have to be a huge expense. There are plenty of auto insurance discounts to help people reduce their auto insurance without sacrificing good coverage. Comparing auto insurance rates can help you save money, as you can view what insurance providers offer. The savings do not have to stop there though, as auto insurance companies tend to offer multiple discounts, but you will need to know about them in order to take advantage. Here are some common discounts that could help reduce the cost of your auto insurance:

Good Driver

Drivers with a clean record get rewarded with an insurance discount. Having a parking citation or speeding ticket is never good on your record. You could spend as much as a few hundred dollars for a traffic citation. Avoiding these charges are not the only benefit, but you may also be able to get discounts from your auto insurance provider for being a good driver. You’ll need to contact your insurance company to find out how you can get this discount.

Multi-vehicle

Putting more than one vehicle on a policy is a great way to save. If you have two cars that need to be insured, you could save money by insuring both vehicles with the same company. By insuring more than one car with a single company savings could be made available to you.

Bundling

You can lower your auto insurance rate by bundling multiple policies. If you have more than one insurance policy and you are shopping for homeowners, auto, or life insurance, you may want to bundle the policies with one insurance provider. This could save you an enormous amount of money as you’ll likely get a discount on each insurance plan. With bundled insurance, you will have the convenience of dealing with one provider and also getting a better quality of coverage. Before getting bundled insurance it is advisable to confirm your savings.

Good student

Good student discount is available to students who get good grades. Most insurance companies give a discount to students that maintain a certain GPA. Many insurance providers lower the premium if the person maintains a “B” average or better. Be sure to contact your provider to get a proper understanding of the stipulations for good student discount.

Low mileage

Less driving could make you eligible for a discount. Some insurance companies will lower your premium significantly if you drive less. The reason for giving this discount is because there is not as much wear and tear on your vehicle. Also, less driving means reduced risk of an auto accident.

Location

Drivers in small cities tend to have fewer accidents than people living in large cities. Some insurance providers will probably charge you less if you are located in a small city. If you live in a place where vandalism, theft, severe weather, or natural disasters are more likely to occur, you will probably pay more for auto insurance.

Considerations

You can lower your auto insurance rate by taking advantage of various discounts. However, it is important to keep in mind that not every insurance provider offers the same type of discount. That is why you need to get auto insurance quotes from several different providers. You might be surprised to discover that the quotes are different from one company to another based on the company’s willingness to offer auto insurance discount. You will also know which insurance providers offer discounts and which ones do not. It is important to check with your insurance company once or twice a year to find out whether you qualify for any new discounts.

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The writer, Brennen Kliffmueller, tries to make sure that he always has the best possible policy to cover all eventualities. If he ever needs a new poliy he always turns to the experts at www.insuranceland.org. You can learn more about Brennen on Google+.

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