One of the most common ways to cut auto insurance rates is often tied with discounts. Some discounts are easy as pie to pinpoint, while others are carefully hidden and remain so unless you specifically ask about them. The auto insurance companies may be out to collect your coin, but you can keep as much of that coin in your pocket by asking about particular discounts.
Of course, the biggest cheap auto insurance “trick” is to simply use the Internet to shop around and compare auto insurance rates online from competing insurance companies. Simply enter your zip code in on this page to get started right now!
Think about whether you might not already qualify for some of the following often-discounted options:
Multi-Vehicle
This is possibly the most common auto insurance discount. You get this when you insure two or more vehicles on the same policy. This makes administrate work easier for the insurance company, while keeping your premiums low.
Multi-Line
Multi-line discounts apply when you group several policies together. You may have renters insurance, auto insurance, boat insurance, and motorcycle insurance by different providers. Grouping all these insurance types under one company can get you a rather hefty multi-line discount and save you a pretty penny.
Anti-Theft
Many vehicles now come with some sort of theft deterrent system. For some vehicles this is a tracking device that a company can activate to find your vehicle, on others it is simply turning the vehicle off after so many miles if it was hotwired. This discount is rather specific for each auto insurance company, so make sure you ask about it and if your vehicle meets the requirements.
Winter Tires
Those of you who are prepping for winter storms may see a benefit to hitting your local tire store as well. Winter tires go a long way to providing traction when traction is limited, and auto insurance companies recognize this. You should consider winter tires either way, but a discount on your insurance only sweetens the deal.
Preferred Parking
Yup, you can really get a discount based on your parking. Think of it these ways, the auto insurance company would much rather not have to pay for someone running into your vehicle in an apartment parking lot. If you have private parking, or some other form of secured parking, you maybe eligible for a discount on your auto insurance rates.
Low Mileage
Those of you who drive very little may want to stop into your agent’s office and go over your yearly mileage. The average American driver puts on roughly 12,000 miles a year. If you happen to fall well below this average you maybe eligible for a discount. Not being on the road as much means less likelihood you will need to file a claim of some sort.
Retiree
After working for so many years it is about time you get a break. If you can qualify for things like a Senior Discount on movie tickets, you might just qualify for this auto insurance discount, too!
Some insurance companies offer retirees discounts on their auto insurance rates. Just keep in mind these are different from elderly discounts – a “retiree ” might have made enough money at quite a young age to not need to work again.
Safe Driver
Safe driver discounts come in if you have never had to file a claim due to an accident. You can also be eligible for this discount if you have taken a drivers safety course. This is the insurance companies’ way of saying thank you for driving safely.
Good Driver
Not to be confused with safe driver, good driver discounts go to those who don’t deal with the law. These discounts apply to those folks who don’t acquire speeding tickets or other types of tickets due to breaking the laws of the road.
Talk with your auto insurance agent and see what discounts you may be already eligible to receive, or what changes you might make to qualify for them. Keep in mind that many of these discounts all stack on top of one another. Thus, you can save some serious money with just a few discounts in place.
Try Out Your Cheap Car Insurance “Tricks” Now!
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