There are a slew of ways to reduce your auto insurance costs besides being a good driver—all you have to do is ask.
“Some discounts are to encourage customers to buy with the company and some discounts are because the risk to the insurance company is reduced,” says David Thompson of the Florida Association of Insurance Agents. However, he says if you want the discount, you have to ask for it.
Safety Equipment Discounts
These days most new cars come standard with safety features that not only protect the drivers in an accident, but can save on auto insurance.
According to the Independent Insurance Agents & Brokers of America, drivers can get discounts if their cars are equipped with anti-theft devices, anti-lock brakes and/or passive restraint systems like airbags.
Other safety features that can yield savings include traction control and daytime running lights. And the savings add up: At AllState, airbags and motorized seatbelts can slash up to 30% off a bill, anti-lock brakes can get a 10% discount and an anti-theft device can save up to 10%.
What To Look For When Seeking bDiscount Auto Insurance/b | California b.../b
It does not matter who you are rich or poor; everyone likes a discount. Not everyone is into cutting out coupons or really searching for the sale, but when one is dropped into our lap, we do not mind taking it. That is the way it can be with finding discount auto insurance. Once you know methods of acquiring it, you won’t mind asking those few extra questions when you go to insure your vehicle.
Before you begin your search for discount Auto Insurance , it is important to check out all possible options. There are agencies that can save you time, and do this for you.
Once you or an agent have compared prices of insurance, there are several options for getting discount auto insurance that you should consider to lower your insurance rates even more. First, the mileage per year on your car and how much you use your vehicle can determine whether you get a discount. If you only drive 5,000 miles with your vehicle a year, you may be eligible for one.
Another item to mention is where you live. If you live away from the city in a more rural location, then there is a possibility you may receive a discount. Having very little traffic around reduces the dangers of a car accident and the possibility of the insurance company having to pay out.
Perhaps you are a great driver, and you have never gotten a ticket. This is definitely something to ask about. Now if you have received five tickets this year for various problems, then you might not be lucky enough to get a discount.
Another area to consider as you talk to insurance companies is whether they offer discounts for insuring more than one car. It may be to your advantage to have all your cars insured through them. You could also check and see if there would be discounts for insuring other things though their company such as renter’s insurance, homeowners, or even life insurance.
You could also receive discount auto insurance if you have security or safety options on your vehicle. If this is the case, and you do not have them, you may want to do so if the money saved is worth the cost of the additions. You may save by having airbags or theft protection on your vehicle.