How to Get Car Insurance Discounts

How to Get Car Insurance Discounts

Car Insurance Discounts are a great way to lower your premium. However, it’s important to note that most discounts do not reduce your overall cost, but rather lower specific premiums such as liability or collision.

These discounts are often based on driving history or other factors such as vehicle ownership, age and/or occupation. Drivers who qualify for these discounts can expect to see a significant reduction in their rates.


If you have more than one insurance policy with the same company, they’re likely to offer you a discount. These discounts are additive and can save you a lot of money over time.

You can bundle many different types of insurance policies with a single company, including home and car insurance. These bundled policies can also include life and health coverage, as well as renters insurance.

Bundling also makes it easier to manage your policies and payments. Instead of dealing with multiple insurance companies and paying for them separately, you can pay your bills at one location and manage all your policies from there.

Moreover, bundling can help you keep your current insurance company because they’re less likely to drop you for any reason. This is especially true if you have a history of claims or tickets on your auto insurance policy, says John Espenschied, owner of Insurance Brokers Group in Missouri.

Safe Driver

Being a safe driver is one of the best ways to save on your car insurance. It can help you avoid accidents and tickets, which are two major factors that increase your rates.

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Some car insurers offer a good driver discount for drivers who keep their records clean for a certain number of years. In most cases, this is three years of ticket-free and accident-free driving, but some companies wait five or more years.

Even without this discount, being a safe driver is still a great way to lower your insurance premiums. By avoiding accidents and lowering your deductible, you can put the money saved toward things you really need.

In addition to a safe driver discount, some car insurance providers also offer a low mileage discount. These discounts encourage drivers to drive fewer miles each year, which in turn, reduces their risk and lowers their premiums. Some of these discounts are optional, so check with your insurance company to learn more about how they work.

Good Student

The good student discount is a great incentive for high school and college students to keep their grades up. It can help them save up to 25% off their car insurance premiums, depending on the insurer.

Being a good student requires hard work, discipline and an excellent grade-point average. They should study regularly, take good notes and ask questions in class.

They should also attend class on time and give back to their professors by stating their opinions and helping them when needed. They should not engage in any form of slacking off, such as checking their cell phone or daydreaming.

While most national carriers require a 3.0 GPA, or “B” average, some offer good student discounts for those who fall in the top 20% of their class. They may also offer a loyalty discount for drivers who have been with the company for a specific period of time.

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Defensive Driving

Taking a defensive driving course is a great way to save money on your car insurance. It can decrease your premium up to 10%.

Defensive driving courses can be offered in-person or online and take a few hours to complete. They are taught by certified instructors who have years of experience teaching drivers to be more safe on the road.

In addition to helping you save on your insurance, taking a defensive driving course may also help you avoid tickets. Ticketing can cost you hundreds of dollars, which can put a dent in your wallet.

Drivers who take a defensive driving course are often able to lower their insurance rates because they have proven to be safe drivers. They are not involved in many accidents, have good driving habits, and do not drive aggressively.

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D. Jessica

D. Jessica is a mum to two sweet little boys. She hoards children's books and sunglasses, and is a sucker for anything bright and shiny.

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