How to Use Car Insurance Discounts to Save Money

We shop around using an auto insurance online quote for a few reasons, but most importantly, we do it to save money. But you can save even more than what is offered in your lowest quote.  It is common for the auto insurance companies to offer discounts, in order to attract and retain customers or to reward them for good driving habits. Find out how to use car insurance discounts to save money.

# money-carYou can apply for car insurance discounts if you want to save some money. Some of these price reductions will only save you a small amount of money, but others will help drastically reduce the bill. Habits on the road, lifestyle, and features of your car can qualify you for discounts with your insurance plan

For example, you can save around 20% – 30% on most coverage plans if you’ve been accident-free for 5 years. In addition, if you and your passengers always wear your seat belts, you could get a discount of up to 15% off the medical payments or personal injury protection section of your premium.

Driver education, especially defensive driving, is also important. Taking a safe driving course can also save you some money. Just make sure the course is approved by your auto insurance company. You can get a 10% – 15% driver education discount.

People who drive less than the average qualify for low mileage discount. This is a bit complicated problem, because each insurer chooses how much to reward its low mileage customer.  Furthermore, there are companies that prefer the Usage Based Insurance system.  The idea is the fewer miles you drive, the less likely you are to get into an accident.

If you have equipment that makes your car less likely to get into a collision or get stolen, many insurance companies will offer you a discount. Anti-theft devices and anti-lock brakes are just 2 features that can qualify you for auto insurance discounts.

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