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Insurance Rates - How To Find Discounts In The Market

Nov 19, 2007
Depending on where you live, and how old you are, not to mention what kind of driving record you have, your insurance rates can be astronomical. So, why not find out how you can cut your rates by 10... 20 ... even 50%? Most carriers offer a variety of discounts to valued customers. The trick is finding out what they are and if you qualify.

Here are just a few of the most common discounts offered by more than 300 of the nation's top auto insurers:

Multiple Vehicle Discount.
If you are insuring more than one vehicle, whether they are cars, boats, trucks, RV's motorcycles or even trailers, chances are you qualify for a multi-vehicle discount. See your agent for details.

Multiple Driver Discount.
It's impossible for two people to drive the same vehicle at the same time, so insurers often offer multi-driver discounts to allow customers with more than one driver per car to only pay partial premiums on each driver.

Multi-Policy Discount.
Take advantage of your buying power. Choose one insurance company for all of your insurance needs, and you're bound to experience a hefty discount on all of your policies. Combine your homeowners' auto, disability, life and even health insurance into one insurance portfolio if at all possible. Some companies will also count financial savings plans such as 401K's Roth IRA's, money markets and college funds as additional policies when figuring out your discount.

Low Mileage Discount.
The less your car is on the road, the less chance it has of being involved in an accident. If you put less than 5,000 or 10,000 miles a year on your car, by all means tell your insurance agent! You may be surprised how cheap your insurance may become.

New Vehicle Safety Discount.
Offered to owners of new vehicles that contain certain types of safety features such as side passenger airbags, etc.

Anti-Theft Device Discount.
Any type of anti-theft device in your car is eligible for a discount too.

Good Student Discount.
Student rates can be quite high, especially for male drivers. But, some insurers are now recognizing that honor students may be more careful drivers, and are now rewarding good grades with cheaper premium rates.

Accident Free Discount.
Go several years without a claim and watch your premiums plummet.

Defensive Driving Discount.
Some insurance companies now reward drivers who attend special defensive driving workshops and seminars with either a one time, or ongoing rate cut.
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