Auto insurance is not one-size-fits-all. You may be able to get substantial discounts depending on everything from your age and occupation to where you live and how much you drive your car.
One of the best ways to get discounted auto insurance is to have a clean driving record. Drivers who don’t have any moving violations or accidents for three years will usually pay lower auto insurance rates. And don’t try to lie: If the insurer finds out you didn’t disclose moving violations, your auto insurance rates could go up, according to ComparisonMarket.com.
Most auto insurance companies offer discounts if you insure more than one vehicle, or if you get your homeowner’s and renter’s insurance from the same company. Some also discount insurance for long-time customers.
Many auto insurance companies also reward drivers who have safety and antitheft devices on their vehicles, including alarms and tracking devices, antilock brakes and airbags. Completing a driver education or defensive-driving course could also result in a discount.
In addition, some companies offer auto insurance discounts for people in certain occupations, such as teachers or members of the military. Membership in some professional organizations or in AAA also can result in discounted auto insurance.
You also might be able to get discounts on auto insurance depending on your age (the youngest and oldest drivers pay more) and how much you drive. Auto insurance discounts also may be available for:
- Married couples
- Living in rural or low-crime areas
- Good credit ratings
- Buying auto insurance directly from the insurer’s Web site
- Completing defensive driving courses
- Students with good grades
It’s worth asking about additional discounts while talking to an auto insurance sales representative. Shop around to not only compare rates but to compare discounts as well. You might be pleasantly surprised by the savings.
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