Insurance Savings

Discount Car Insurance

In the competing auto insurance industry, companies are working hard to lure insurance seekers to their organizations. Insurance is a very competitive market, so you may need to dig deep to find the discounts for which you could be eligible. Many insurance companies offer multi-auto discounts and multi-policy discounts, but there are often other ways to save on your discount auto insurance that may not be as well known.

First, it is important to shop around to make sure you are taking advantage of all the discounts companies have to offer. Ask questions and be willing to offer information about yourself including your age, gender, and even your occupation and hobbies to see what discounts for which you could be eligible. Talk to brokers and agents to find out what discounts vary from company to company, and which ones are pretty standard for almost all auto insurance providers.

For instance, insurance companies across the board tend to give you a discount for being accident free and having had no moving violations in the past three to five years. It makes sense, as most companies find safe drivers less risky. However, there are some lesser known discounts based upon what you do for a living, your age, and more that you could apply to your policy.

First, do you have a college degree? If you do, you could get another discount on your insurance. One insurance company discovered that people with engineering degrees were lower insurance risks than other individuals, so they offer between a 10 and 30 percent discount to engineers and scientists. Some insurance companies also offer discounts off automobile insurance premiums if you are a graduate of a four year institution and you are under 30 years old. The pennies you save here may even help you pay off that student loan faster!

Another career that can get you a discount on your auto insurance is being an educator. Teacher discounts vary from company to company, but most of the discounts for educators range from 8 percent to 30 percent. Many companies require that the teacher be a member of the state educators association or NEA, but the discounts often more than compensate for the association dues.

Current members of the Armed Forces and veterans are also eligible for significant discounts on their auto insurance. Many insurance companies offer discounts and programs available to veterans and those soldiers on active duty. Discounts vary from company to company, but most auto insurance providers have discounts available to those people who are serving or have served their country.

Are you a member of AARP? If you are, then there may be even more discount auto insurance programs available to you. Many insurance companies have programs for people who are members of AARP, and some even have non-cancellation clauses and other discounts for seniors.

The fifth and not so little known way to save is the internet. It is not so much that the internet holds hidden discounts, but that many people are still somewhat skeptical about using the web to purchase their auto insurance. However, there are companies that will offer discounts if you purchase directly from their website. Our service compares actual discount auto insurance companies in your area, not just internet exclusive insurance companies.

The key to finding little known discounts for your auto insurance is to do your research and ask. Browse all articles pertaining to information you need and use our free service. We trust that saving on your car insurance will be a painless process.

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