Top 5 Ways to Get Discount Auto Insurance

Most people like having extra money, so discount auto insurance is something that most drivers desire. Getting discounted auto insurance doesn't have to be a tedious process; in fact, there are already many different programs set up to give discounts to certain types of drivers. You might even already be eligible for various discounts, such as: the safe driver discount, good student discount, defensive driver discount or multiple policy discount. If you're looking for auto insurance at the lowest possible price, read on to learn about these special offers.

The Safe Driver Discount

If you're a safe driver, odds are that you won't be getting involved in costly accidents that your insurance company will have to pay for. Because of this, discounts are available to safe drivers. You're usually considered a safe driver, and may be eligible for a significant insurance discount, if you have not been found at fault for an accident or committed any traffic violations for the last 5 years.

The Good Student Discount

Supposedly, students who do well in school are more responsible drivers than their C-average peers. The good student discount is based on this premise. You qualify for a good student insurance discount if you are a student 16 years of age or greater with one or more of the following: a 3.0 or greater GPA; placement on the dean's list or Honor Roll; or ranking in the top 20% of your class.

The Defensive Driver Discount

The specifics of this discount vary by state and insurance carrier. To qualify for the defensive driver discount, you must take a defensive driving course at an approved traffic school. Some states or carriers may have additional requirements, such as falling within a certain age bracket, so call your insurance company for details.

The Multiple Policy Discount

Usually, you can get a fairly significant discount if you insure your car, home, boat, RV or whatever other possessions you may have through the same provider. Insuring your car through the same insurance company as your house might initially look more expensive, but may actually be cheaper when a multiple policy discount is applied.

The Safe Car Discount

Even if you don't qualify for any of the above discounts, your car might be able to get you one. Cars which are less likely to be stolen or that are safer for its passengers are less risky to insure, meaning that cars which are deemed safe may qualify for an insurance discount depending on the provider. Your car may be considered safe enough for a safe car discount if it has motorized seatbelts, airbags, an anti-theft device or anti-lock brakes.

With so many different discounts available, getting discounted insurance is often easy.

Related Questions and Answers

If you are younger than 25, a full time student and have high grades in school, you may be able to qualify for a good student car insurance discount. You can get up to 15 percent off the regular price of your auto insurance if you meet specific requirements of the insurance company in terms of GPA. Some insurance companies require minimum GPA's of 3.0. or should at least be on the dean's list. Depending on the insurance's incentive scheme, the various deductions will be applied if you pass the listed categories. A good student car insurance discount is a very good way to promote good driving habits in children and young adults.

You can still be eligible for the safe driver insurance plan, even if you were involved in an accident. However, since this kind of insurance plan is based on points, when you get into an accident or are always involved in one, your points get lower and you have to pay a higher premium for your insurance. This system therefore encourages you to be more careful when driving. The cost savings that you gain for doing so is the reward that you receive, apart from having a damage-free car of course. If you are an aggressive driver who gets into accidents all the time, the safe driver insurance plan may not work for you because you will be paying a very high premium because of your record.