With rising car insurance premiums, smart auto owners everywhere are looking for ways to get deals on car insurance. And why not? If it can put cash in your pocket then go for it, right? Well, there are many ways to get discounts on car insurance. Try to check if you or your car is entitled for the following deductions but remember that these are general deductions, you have to inquire with your insurance agent if they offer them.
Individual Car Insurance Discounts
Person-related discounts are ones that depend on the driver’s own personal situation, status and driving history.
Taking a Traffic School Class If by any chance you have been recently ticketed, you may attend traffic school either online or through a traditional setting to have your ticket expunged from your driving record. Indirectly, this will have an effect of lowering your car insurance premiums
Good Student deductions. Insurance companies know that students with higher grades have a lower risk of being involved in a car accident. Therefore, they will usually offer discounts on your car insurance.
deductions for Your Profession. There are many professions that can make you entitled for auto insurance price reductions. Doctors, scientists, government employees, to name a few, all may be entitled to receive deductions on their automobile insurance.
Senior Citizen Discount. If youre an older driver, aged 55 or over and have completed a Defensive Driving course being offered by the Department of Motor Vehicles in your state, then you may qualify for a discount.
Loyalty Programs. Staying with the same insurance company for several years and maintaining a clean driving record will give you a good history with them. Many times, the insurer will reward you with your loyalty with lower car insurance rates.
Maintain a Good Driving Record. Your unspoiled driving history will also let you get car insurance price reductions. Some automobile insurance agents extend deductions for drivers and insurance policy owners who have not been in accidents or have not received any traffic tickets for a certain period of time.
Multi-line car insurance Discount. If you have more than one type of insurance policy with the same car insurance underwriter, many times you’ll also be able to get cheaper insurance rates from them.
Vehicle Based Insurance Discounts
The type of car you drive can be a huge factor in ascertaining the amount you pay for automobile insurance. There are also extra features that you can add to your car to make it more affordable to insure.
- Air Bags. They present increased safety to you and your car and insurance companies love these.
- Anti-Lock Brakes System (ABS). Many cars on the road today are equipped with ABS. Many automobile insurance underwriters offer deductions if your car is outfitted with these types of brakes and many states even require the insurance company to do so.
Having Anti-Theft Devices Installed. Any type of add-on to discourage some individual from breaking into or stealing your car can also provide you with cheaper insurance rates.
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This entry was posted
on Sunday, February 15th, 2009 at 6:28 am and is filed under Uncategorized.
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