Hidden Auto Insurance Discounts to ask for:
When owning a car it comes with the burden of having to pay for car insurance which isn’t cheap. It can cost over $1,000 a year. There are many factors as to why car insurance is so expensive, but there are ways to get around those high costs and get a discounted rate. Look for these incentives and discounts when you talk to your insurance agent.
How much is the safe driver discount?
Safe Driving: By being a safe driver and avoiding car accidents or a ticket, insurance companies can offer a discount of up to 20% off. These discounts are offered by insurance companies such as State Farm, Progressive, All-State, and Geico.
How to Get Defensive Driving Discount?
Defensive Driving Course: In the unfortunate case you do get a ticket, the cost of your car insurance will increase. Luckily, some insurance companies offer a discount if you complete a defensive driving course. The defensive driving course will not only help take some points off your license, but it will also help you become a safer driver. Check out our website for BMV approved and insurance participating classes.
Which cars get the best insurance rates?
Car Type: If you're planning on buying a new car, keep in mind that car insurance companies give discounts based on what type of car you have. By having a cheaper car, such an SUV, it will reduce your insurance cost as opposed to bigger cars like a Sedan or a Pickup. You can also save money on car insurance by having specific safety features, like GPS, anti-lock brakes, etc.
What is the Good Student Discount?
Good Student Discount: If you are under the age of 25 and a full-time student, then most car insurance companies offer discounts to students who are on the honor roll or have a GPA above a 3.0. You can receive up to a 25% discount depending on your car insurance company.
How does your address location affect insurance rates?
Location: In some cases, car insurance companies offer discounts depending on if you live in an area with low car theft and vandalism.
Is there a Pay in Full Discount?
Yes, there is! Full payment: Opposed to making monthly payments, car insurance companies offer discounts if you were to pay for the full year. That way you don’t have to worry about the bill.
What is the low mileage car insurance or pay per mile insurance plan?
Low mileage: If you are home most of the time and don’t drive that much, then your car insurance company can give you a low mileage discount. This is for people who only drive up to 7,500 miles a year. Pay per mile insurance has the most affordable insurance rates for those that do not travel very far. Usually, each mile costs just a few cents. For instance, if you drive 100 miles per month at a rate of 10 cents per mile, you would be charged $10.