How Can I Get a Discount on My Car Insurance?

save on your car insurance policy

There are many ways to save on your car insurance policy. One of these is by taking advantage of available discounts. 


In this article, we’ll explain how you can get discounts on your auto insurance policy.


How to Get a Discount?

It is important to understand the different types of discounts offered by auto insurance companies. Though there are many types of insurance discounts, they are usually categorized under three groups: driver discounts, vehicle discounts, and policy discounts. 


Driver Discounts

You can qualify for certain discounts based on what kind of driver you are and your driving habits. Your personal details may also qualify you for a discount under this category. For example, some insurance companies offer discounts to clients with certain affiliations, such as active military members, federal employees, educators, members of certain clubs, and college alumni. 


Student discounts are a popular type of driver discounts as they are offered to drivers with good grades or students that are still in college. This helps to reduce the high cost of getting auto insurance as a young driver. You can also qualify for a discount based on your driving habits. If you are a good driver with little to no claims filed, you can qualify for a drop in insurance premiums. Some insurers will even offer discounts to drivers who complete a driver’s education course.


Vehicle Discounts

Many insurance companies offer discounts for safety features or for the age of your car. For example, you may qualify for a discount if your car has a built-in anti-theft system or if you have a GPS tracking system. Certain safety features such as electronic stability control can also qualify you to receive a discount. You can even get a discount from some auto insurers if your car is newer than three years old. 


Policy Discounts

Insurance companies often have certain policies that are aimed at retaining existing customers. To keep their existing clients, they often offer policy discounts. For example, you can get a discount if you insure multiple cars with the same insurance company. This is known as bundling. Also, many insurance companies offer other types of insurance apart from auto insurance and will offer discounts for purchasing multiple policies from them. 


You can also get a family plan discount if you, your spouse, and your children get insurance coverage from the same company. The company will try their best to keep you as a customer and may offer certain discounts. Some insurance companies also offer policy payment discounts, e.g., if you pay your premiums in full at once instead of monthly. To keep you from switching to another company, some auto insurers will offer renewal discounts.


Need More Info? We Can Help!

Car insurance discounts can play a huge role in reducing how much you pay for insurance. To know more about various auto insurance policies and the discounts they can offer, give us a call today at 512-994-0894!