Getting discount auto insurance by making right choices

By
Published:

shutterstock_64769335As per the forecasts in the auto industry sector there is every possibility of the insurance rates rising for most of the policyholders.  So, you must see how you can avail discounts on your auto insurance.  Make comparisons on the websites and shop for the best auto insurance rates after obtaining quotes from various insurance providers.  Investigate and check the possibility of availing a safe driver discount.  After purchasing the insurance policy online, check if there are any discounts available which can help lower your premiums every month.

If you are unsure of the discounts that you should look for, then see if you have had a good driving record without any citations or tickets in the recent years.  If you haven’t had any, then there is a good chance that you can avail a good driver discount from the current insurance provider.  Check the others in the list too:

  • If you have an insurance policy with a particular agency then it makes sense to purchase the auto insurance policy also from the same agency in order to avail good discounts.  If all the policies are from one agency you could avail the best bargains.  You could get your home insurance, car insurance, health insurance, life insurance etc., from the same insurance provider and avail fabulous discounts.  You could also avail the multiple car discounts per household if you have more than one car to insure.
  • If you don’t require any home or life insurance policies then you could insure your vehicle with a direct insurance provider and save a lot of money.  These insurance providers only deal with moving vehicles such as vans, cars, boats, motorcycles etc.  If you have a car and boat for instance, you could insure both these with the direct insurance providers and get a discount.  Direct companies offer much more discounts than the traditional companies.
  • Check to see if you can avail any discounts for completing a course in defensive driving.  These courses have become more accessible and convenient over a period of time.  They are available online and locally as well.
  • Teen drivers can also avail discounts and if you have a teenage driver with an average B in school, then you could avail a good student discount from your agency.  Additional discounts can also be earned by taking defensive driving courses.  Installing safety features in your teen’s vehicle (monitoring reckless driving, talking on the phone, texting) can help get you some discounts.