How To Find Car Insurance Discounts

June 15, 2010

Car insurance companies want your business. In addition to doing whatever they can to beat the competition, such as offering lower rates, most car insurance companies offer at least nine different types of discounts to attract and keep customers. Some of the most common auto insurance discounts include: good driver discounts, safe driver certification, mature driver discounts, car-pool driver discounts, multicar household, multi-policy discounts, antitheft device discount, seat belt and air bag discounts, discounts for good grades, and discounts for non-smokers.

Good driver discounts are for drivers with accident and/or violation free records. Safe driver certification may be obtained from a state approved driving school. The safe driver program covers driving techniques, defensive driving, the importance of eliminating distractions, and proper use of safety belts, air bags, anti-lock brakes, and new technologies in cars. Mature drivers are 50 years old or better. Some companies will knock 10 to 20 percent off your premium, depending  on how many miles a year you drive. Car-pool drivers qualify for a 10-20 percent discount through many auto insurance companies, and if your family has more than one car, putting them all on one policy may qualify for a 15-20 percent discount. Multipolicy discounts vary by insurance company, but you can expect a discount of no less than 10 percent for carrying your home, life, and health (if available) insurance policies with the same insurance company.

Auto insurance companies may offer discounts of 5 to 15 percent off for installing an antitheft device such as an alarm, an ignition cut-off system, or a hood and wheel-locking device. Automatic seat belts or air bags can reduce the premium for medical coverages by as much as 30 percent. Good grades can go a long way. This type of discount is reserved for students that maintain a B average or better. Discounts may range from 10 to 15 percent.

Finally, quitting smoking has a number of benefits besides saving your health. Auto insurance companies offer lower rates to nonsmokers for liability, medical benefits, and collision coverages. Why? Auto insurance companies see smoking as a high-risk behavior while driving. Most auto insurers feel that lighting up while driving is awkward and dangerous as it takes the drivers focus off the road. Depending on how often the driver smokes, lighting up can occur several times during a single trip. 

So, how do you find these excellent car insurance discounts? All you have to do is contact up to 3 auto insurance companies, request a quote, and inquire within about discounts. You can even contact several auto insurance providers by phone and ask about their discount offers. Again, most auto insurance companies offer up to 9 different discounts and chances are you will qualify for more than just one.

Michelle Burton is a published author and contributing editor for Auto Insurance Tips, Trouvé Media, Internet Brands, and Publications International, Ltd.

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