Taking Advantage Of Car Insurance Discounts

Did you know that most car insurance companies offer discounts to their customers? It’s true. There are a number of different ways that you can qualify for discounts, ranging from getting good grades in school to maintaining a good driving record. Here are just a few of the car insurance discounts that you may be eligible for:

Good Student Discount. This discount is given to teens who maintain a high grade point average in school. Good students tend to be good drivers. Because of that, insurance companies are able to offer them a lower rate.

Safe Driver Discount. If you go for a long period of time without getting in an accident, your car insurance company may automatically offer you a discount for being a safe driver. This is their way of rewarding you for being a good customer and never filing a claim.

Defensive Driving Training Discount. Regardless of how long you have been driving or how experienced you are, you still may be able to qualify for a discount by taking an approved defensive driving course. Typically these courses only last a few hours, and can wind up saving you quite a bit of money on your car insurance. The best way to find out whether or not your insurance company offers this discount is to talk to your agent.

Loyal Customer Discount. Some companies will reward you for being a long-term customer by providing you with a discount on your car insurance rates. Again, this particular discount is usually automatically applied to your account after a certain amount of time. If you notice that your rates suddenly drop, this could be why.

Annual Mileage Discount. If you don’t put a lot of miles on your car each year, you may be able to get insurance at a discounted rate. This discount varies depending on the average number of miles that you drive. You may need to ask about this discount in order to qualify since your insurance company may not automatically apply it to your account.

Electronic Fund Transfer Discount. If you choose to pay your insurance bill through electronic fund transfer rather than by check, you may get a discounted rate. This is because using EFT improves the chances that your insurance company will get paid on time.

These are just a few of the many car insurance discounts that are available. Be sure to talk to your insurance agent about whether or not there are any additional discounts that you may be eligible for.