How To Get Auto Insurance Discounts

Find out how to get auto insurance discounts and use our website for free online car insurance quotes.

1. Drive less than the average. It is needless to say that by driving less, you are less exposed to being involved in a car accident, and thus make a claim that will cost the insurance company money. Talk with your insurance agent and ask for low mileage discount. Find out more how much you can save and what is the threshold for this discount. This discount is really useful for retired drivers or those who have short commutes to work.
2. Use telematics devices. Being a good driver should reward you with a cheaper premium. If you know you are a responsible driver, you could access some pay-as-you-drive programs. Many of these programs use telematics to monitor the driving speed, how you brake and other information that will be used to draw your profile.
3. Raise deductibles. There are some policies, like comprehensive or collision, which require the insured to pay some money before they kick in and cover the rest if the bill. As a general rule, respected by all companies, if you agree for a higher deductible, you will get cheaper premiums, because you agree to pay from your own pocket for claims.
4. Install approved safety devices and systems. The list of devices and systems available for drivers is really big and sometimes choosing is really confusing and difficult. This is why you should ask first the insurance company for which products they offer discounts and how much. Prices vary a lot.
5. Get good grades. Students are often labeled as high risk drivers. But those who can manage their grades are typically considered more responsible and usually get a good student discount. If this is also your case, apply for discount.

Check our website for more info and free quotes.  Get Free Quotes!

by Ciprian Gurgu