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 discounts. If you're looking for auto insurance at the lowest possible price, read on to learn about these special offers.

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.

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 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.

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.

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.