Are you Taking Advantage of Auto Insurance Discounts that Can Save You Money?
Are you taking advantage of all the Auto Insurance Discounts that Save You Money? Did local agent telling you about auto insurance discounts that can save you money? Does your current insurance company offer you all the discounts you qualify for?
When purchasing insurance you deserve to be rewarded with all the discounts that will save you money. This article is going to cover a very comprehensive list of discounts that should save you money.
Multiple Auto Discount: This is the most common discount that most drivers qualify for, and is one of the most basic. Multiple auto discount is offered when you are insuring more than one car in the same house. Again, more than one car in the same house hold. Multiple auto discounts can save you up to 20%. If you're not getting this discount, you are losing money.
Good Driving Discount: So You have driven an automobile for three years now and have not had an at-fault accident. Home come you are paying the same rate or worse, small incremental price increases every renewal as you did three years ago? You deserve this discount as you have proven yourself over and over again. Good Driving with no Auto accidents or tickets should save you and additional 10%
Accident Free Discount: This discount is very similar to a good driving discount and is often interchangeable with a good driving discount. Unfortunately your current auto insurance company is not going to surprise you with this 25% percent discount and thank you for not having any insurance claims that they had to pay on. This auto insurance discount should save you a tremendous amount on your policy. So you have been insured with the same company for three years and have not had a accident. Call your local agent or current auto insurance company directly and ask them were is my reward for being accident free? This question is ultimately going to save you allot of money as your either going to get the discount you deserve or get your accident free savings when you sign for new coverage with a different auto insurance company.
Purchase Online & Save: Allot of companies are offering a better auto insurance rate when you purchase a policy online directly than purchasing your policy through a local agent. Your local agent understandably gets a sign on bonus when you purchase a policy and or a small monthly commission for every month that you are insured. Just think how much you and your insurance company can save, not having to pay a local agent.
Student Discount: Student discounts are offered to students that live within the same household. This money savings discount is often overlooked. Some insurance companies only recognize student discounts for fulltime enrollment and other insurance companies have age restrictions of 25 and under. This can be a substantial money savings discount for parents that have a teenager added to the policy. Even if you're not a teenager and are just back in school to further your education like a change in a career you deserve your student discount.
Young Children: Auto insurance can save money for driving with young children, this discount can start as soon as your first child is born. When it comes to young children most people will drive with more caution and responsibility. Even aggressive drivers tend to drive more cautious and involved in less accidents and tickets when their young children are present. Don't let this discount rob you from the savings you deserve.
Tickets: Almost all insurance companies are in tune with moving violations. This is one of the biggest deciding factors along with accidents when comes to auto insurance rates. Hopefully you don't have a driving history full of tickets. When comes to driving tickets, the emphasis on doing all that you can to get your ticket reduced and or dismissed cannot be fully understood until you have paid years and years of exorbitant insurance rates. Most municipalities are only looking to keep revenue coming in and to keep there municipalities safe. This is where your part come in. Understanding that they need to make money and you need to keep your drivers license and insurance rates down There is a very good chance with proper negotiations that you can exchange a moving points violation to a non moving points violations such as obstructing traffic or illegal parking. Sometimes it takes hiring an attorney, and in the long run its usually cheaper. This is usually a win win for both sides. Always try to get your tickets modified to a non moving violation. Keep in mind that the courts still want to collect on some type of fine. Most people are more concerned with the fine amount than there insurance company. The unfortunate truth is that your auto insurance surcharge for your ticket is generally going to cost you 4 – 8 times more than the ticket. Driving safe and responsible is the best advice.
Security System: Security system insurance discounts usually apply to cars with full coverage. The more expensive your car cost the more a security system discount is going to save you. Most all new cars now have incorporated some type a security system. Modern security systems now come cars in the keys, locks and GPS systems.
Garage Kept: Cars that are garage kept have a very unlikely chance of being stolen. Car that are garage kept are protected for damages from the elements.
Covered Parking: If your living or intend to move into a mobile home, apartment, condo, townhome this discount would most likely apply to you. Although your chance of theft or vandalism is greater compared to a garage kept car, your auto still has protection from Hail and falling objects.
When purchasing insurance you deserve to be rewarded with all the discounts that will save you money. This article is going to cover a very comprehensive list of discounts that should save you money.
Multiple Auto Discount: This is the most common discount that most drivers qualify for, and is one of the most basic. Multiple auto discount is offered when you are insuring more than one car in the same house. Again, more than one car in the same house hold. Multiple auto discounts can save you up to 20%. If you're not getting this discount, you are losing money.
Good Driving Discount: So You have driven an automobile for three years now and have not had an at-fault accident. Home come you are paying the same rate or worse, small incremental price increases every renewal as you did three years ago? You deserve this discount as you have proven yourself over and over again. Good Driving with no Auto accidents or tickets should save you and additional 10%
Accident Free Discount: This discount is very similar to a good driving discount and is often interchangeable with a good driving discount. Unfortunately your current auto insurance company is not going to surprise you with this 25% percent discount and thank you for not having any insurance claims that they had to pay on. This auto insurance discount should save you a tremendous amount on your policy. So you have been insured with the same company for three years and have not had a accident. Call your local agent or current auto insurance company directly and ask them were is my reward for being accident free? This question is ultimately going to save you allot of money as your either going to get the discount you deserve or get your accident free savings when you sign for new coverage with a different auto insurance company.
Purchase Online & Save: Allot of companies are offering a better auto insurance rate when you purchase a policy online directly than purchasing your policy through a local agent. Your local agent understandably gets a sign on bonus when you purchase a policy and or a small monthly commission for every month that you are insured. Just think how much you and your insurance company can save, not having to pay a local agent.
Student Discount: Student discounts are offered to students that live within the same household. This money savings discount is often overlooked. Some insurance companies only recognize student discounts for fulltime enrollment and other insurance companies have age restrictions of 25 and under. This can be a substantial money savings discount for parents that have a teenager added to the policy. Even if you're not a teenager and are just back in school to further your education like a change in a career you deserve your student discount.
Young Children: Auto insurance can save money for driving with young children, this discount can start as soon as your first child is born. When it comes to young children most people will drive with more caution and responsibility. Even aggressive drivers tend to drive more cautious and involved in less accidents and tickets when their young children are present. Don't let this discount rob you from the savings you deserve.
Tickets: Almost all insurance companies are in tune with moving violations. This is one of the biggest deciding factors along with accidents when comes to auto insurance rates. Hopefully you don't have a driving history full of tickets. When comes to driving tickets, the emphasis on doing all that you can to get your ticket reduced and or dismissed cannot be fully understood until you have paid years and years of exorbitant insurance rates. Most municipalities are only looking to keep revenue coming in and to keep there municipalities safe. This is where your part come in. Understanding that they need to make money and you need to keep your drivers license and insurance rates down There is a very good chance with proper negotiations that you can exchange a moving points violation to a non moving points violations such as obstructing traffic or illegal parking. Sometimes it takes hiring an attorney, and in the long run its usually cheaper. This is usually a win win for both sides. Always try to get your tickets modified to a non moving violation. Keep in mind that the courts still want to collect on some type of fine. Most people are more concerned with the fine amount than there insurance company. The unfortunate truth is that your auto insurance surcharge for your ticket is generally going to cost you 4 – 8 times more than the ticket. Driving safe and responsible is the best advice.
Security System: Security system insurance discounts usually apply to cars with full coverage. The more expensive your car cost the more a security system discount is going to save you. Most all new cars now have incorporated some type a security system. Modern security systems now come cars in the keys, locks and GPS systems.
Garage Kept: Cars that are garage kept have a very unlikely chance of being stolen. Car that are garage kept are protected for damages from the elements.
Covered Parking: If your living or intend to move into a mobile home, apartment, condo, townhome this discount would most likely apply to you. Although your chance of theft or vandalism is greater compared to a garage kept car, your auto still has protection from Hail and falling objects.
Source...