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Discounts that lead to best auto insurance rates


A lot of car owners often pay astronomical amounts for their auto insurance because they are not aware of all the discounts that they can avail to reduce their auto insurance premiums. With increasing competition amongst auto insurance companies for customers, a lot of incentives are on offer and car owners need to make use of these to reduce their monthly expenses as far as auto insurance is concerned. Here are some of the discounts that can bring down your insurance premium.

Discount for profession

It might come as a surprise for you but it is true that some professions attract better auto insurance rates than others. For example those who are teachers or serve in the military have a good chance of getting lower premiums than others. Teachers have been statistically shown to be risk free and mature, which is why they get better rates than others. So, it is a good idea to check out with your insurance agent if your profession attracts any such incentives.

Discount for gender and age

Unmarried and single men attract the highest rates, probably because the auto insurance companies perceive them to be reckless and often carefree. Your age, gender and marital status could go a long way in bringing down your auto insurance rates especially if it can indicate that you are less likely to be reckless on the road and be involved in an accident. Similarly, if you are a non-working senior or a housewife, your auto insurance rates will be very low as you are less likely to drive.

Discount for the type of car

Some cars are safer than others. You can add safety features to your car and thereby negotiate for better rates. Also, family sedans get the best rates when it comes to auto insurance. The insurance for SUV is higher not only because damage repair costs could be high but also because, they are more likely to be involved in accidents.

Discount based on state

If you keep renewing your auto insurance blindly, you will miss out on a lot of savings. There are auto insurance discounts based on states as well. Since accidents depend on the number of vehicles on the road and the condition of roads, some states have lower number of accidents and hence cheaper auto insurance than other states. You need to be aware of this to make sure you are not paying more than what you should be.