subject: Cutting Auto Insurance Quotes With Discounts [print this page] Your auto insurance quotes may be cut up to a half, if you know how to ask your insurer and take advantages of the numerous discounts the companies offer. Most insurers use discounts as a way to reward their clients and encourage them to become safer drivers. There are also discounts that can make life easier for certain more vulnerable groups of drivers. But the thing is that the insurers won't rush providing you with these discounts, unless you ask them properly. In order to benefit from the discounts you can opt for it is important to learn about the most widespread discounts and the situations in which they apply. To make it a bit easier for you, here's a brief overview of the most common discounts with a description to each:
Multiple policies - having several policies with the same provider will automatically give you a discount if the given insurer provides a wide range of services. So if you have health and house insurance with a company that also offers auto insurance quotes - don't hesitate to get covered with them as you can get a pretty decent discount.
Multiple cars - owning several vehicles might actually give you an edge when it comes to insurance, as it's cheaper to insure all your cars under the same policy. The amount of discount will range among providers so choose wisely.
Low mileage - all insurance companies reward drivers who drive less than usual. The number of miles to opt for a low mileage discount may vary from company to company, but it's usually around 10,000-15,000 miles. So it's a good reason to use your car less if your mileage is around these values.
Safety features - installing various safety and security devices on your vehicle is very beneficial in terms of car insurance quotes. So don't hesitate to get yourself a decent alarm system, electric locks, additional immobilizers, seatbelts and other gadgets that will decrease the risk of injury in course of collision, and auto theft.
Driving course - there are many advanced driving courses that will grant you additional discounts. These usually include defensive driving courses and other official trainings that improve your driving skills. Providing a respective certificate to your insurer will automatically grant you a discount.
Senior citizen - older car owners tend to get rather high auto insurance quotes due to the number of accidents this age group tends to cause. However, most insurers understand that it can be rather problematic for such drivers to pay higher rates, thus they tend to offer discounts to retired citizens. Ask your provider about the conditions of this discount in order to apply.
Good student - college and high school students know that they may get very high auto insurance quotes because most teens tend to be rather reckless on the road. However, those who have good average grades may opt for a good discount to neglect the effect of their age. It usually requires an average of B and higher, but it is subject to change depending on the provider. So ask the insurer if you're confident in your grades and get the discount you deserve!
Military and other special groups - certain groups of citizens such as military or governmental agency workers may get special discounts from their insurers. Make sure to ask if you're eligible for such a discount and get those rates down.
There may be other discounts offered specifically by your provider, so don't be shy to ask around. This is a really effective measure for optimizing your insurance costs, so if you feel that your car insurance quotes are just over the top - get the discounts you deserve.
by: Edwin Mata
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