How to Get Discount Auto Insurance
by Penny M. Hagerman
Finding the cheapest auto policy used to take some
time. But these days, insurance shopping is faster than ever before. Gone are
the days of looking through the phone book for the right agent. Though some
insurance professionals advertise offline, many now choose to offer discount
auto insurance through services like ours online.
That makes it easier to find the right automobile
insurance provider—and allows shoppers to get the lowest auto quotes by making
agents compete for their business.
We've all read about ways to find discounts on auto
insurance, right? But beyond choosing higher deductibles and maintaining good
driving records, many people have never heard of some lesser-known discounts
many insurers offer—regardless of the type of automobile driven.
- Select Driver Discount: If all
drivers on the policy have more than five years of driving experience; have not
had their license suspended or revoked in the last three years, and have not had
a major automobile violation or more than one moving auto violation (including
at-fault accidents) in the past 3 years, this discount may be applied.
- Double Deductible Discount: When
purchasing discount collision and comprehensive coverage, an extra discount may
apply when electing to have the deductibles "doubled" during the initial 45 days
of the auto policy's period.
- Payment Plan Discount: Some
insurance companies offer money off to those willing to pay auto premiums in
full up front, or even quarterly. Doing so saves processing time and
- Transfer Discount: For those
who've previously held liability insurance through a different auto insurance
company during the past six months, some insurers offer special discounts when
transferring a policy over to them.
- Affinity Discount: For those who
are members of certain qualifying organizations, an extra discount up to three
percent may be available on auto policies.
- Passive Occupant Restraint Discount:
An automobile with full front-seat airbags or restraint devices that
work automatically when your door closes may qualify for additional
- Carpool and Public Transportation Discount:
Because using these means of transportation reduces a car's annual
mileage, auto insurance companies often reward drivers who carpool or take
public transportation lower rates.
- Farm or Ranch Vehicle Discount:
For those who are full-time farmers or ranchers and are insuring a farm or ranch
vehicle used exclusively for work on the property, this bonus could help keep
Though not available through all insurers, these
unique discounts can really stack up when it comes to comparing policies and
getting low rates.