What are auto insurance discounts

We know getting the best rate on your auto insurance is important. So knowing what discounts are available to you is going to be a valuable asset in getting better car insurance premiums. There are a few ways discounts can bring down the cost of your policy.

Types of auto insurance discounts you may qualify for

When you have a good driving history, belong to certain memberships, or take defensive driving courses, you may have discounts available. Here are a few ways to find auto insurance discounts;

• Good student
• Home-owner
• Low income
• Senior
• Affinity
• Emergency roadside assistance
• Military
• Accident-free
• Good or safe driver
• Usage or low mileage
• Bundled
• Early renewal
• Multi-car
• Multi-line (bundled)
• Loyalty

How will auto insurance discounts affect my premiums

Okay so when do the discounts kick in? It comes down to risk. The least amount of risk shown is rewarded. If you appear to be a safe reputable driver, the insurance company will thank you with a better rate on your auto insurance. If you work from home and hardly drive you may have options. If you have a history of minimal claims, you may be inline for potential discounts. 

Some states will encourage insurance companies to offer discounts for drivers with a safe driving history. Especially when certain classes are required for defensive driving. 

If you are interested in finding out what discounts you qualify for, give us a call. One of our wonderful agents can take a look at your situation and locate all the available discounts. [click here to call an agent now]