How much are you paying on your car insurance ? Too much? Did you know that you can get a discount on your car insurance policy just for being a good driver? Here are twenty-one ways that you can cut your car insurance bill up to 40 percent!
1. Pay the full amount
Many car insurance policies will give you a discount simply for paying the entire premium upfront.
2. Good driver
if you a safe driver with a spotless record, then you can qualify for a discount. Being an accident-free driver certainly pays off!
3. Anti-lock brakes
Most cars come equipped with anti-lock brakes. If yours do, then be sure to bring it up to your insurance agent in order to qualify for a discount.
4. Safety features
If your car comes equipped with safety features such as seat belts and airbags, and then you may be eligible for a discount. Seat belts and airbags save lives.
5. Military discount
Most places off a military discount and car insurance agents are no exception. Be sure to mention if you are active-duty or deployed in order to qualify for the military discount.
6. Senior discount
Most insurance agents give discounts to drivers who are senior citizens. Every car insurance agency has different rules on the cut off age for being a senior, so be sure to ask. Allstate, for example, gives a ten percent discount to seniors who are fifty-five years or older.
7. Go green
If you own a hybrid car or a vehicle that uses alternative fuel, then you may be eligible for a discount. Saving the environment can very well save you money in your pocket as well.
If your vehicle is equipped with an anti-theft device then is sure to tell your car insurance agent for a discount.
9. Driving course
Sometimes taking a state-approved driving course can give you a discount with your car insurance provider. Your car insurance agent wants you to be safe on the road.
10. Low mileage
Sometimes not putting a lot of miles on your car can pay off. Cars with low mileage over the course of a year can save their owners a hefty change. When you travel, consider carpooling or renting a vehicle to save on your miles.
11. Daytime running lights
Cars that have this feature can get a discount with their car insurance agent. Daytime running lights improve visibility during the day, ensuring that you stay safe on and off the road.
12. Go paperless
Choose to receive your bills electronically to save you money. It will not only be good on your pocket but good for the environment too!
13. Use automatic billing
Have your bank accounts automatically pay your bills every month. This option will save you both time and money.
14. Professional associations
If you belong to any professional associations or are an alumnus at your university, tell your insurance provider. You could very well receive a discount for your affiliation.
15. Bundle your policies
get your renter’s or homeowner’s insurance with your car insurance policy. Combining both policies can save you money in the long run.
16. Loyalty saves
Choose a car insurance provider and stick with them for the long haul. Customers who stick with the same car insurance provider end up saving more money.
17. Double it up
If you have more than one vehicle in the family, insures all of your vehicles under the same insurance provider. Doing so can yield you an extra 20 percent off at StateFarm.
18. Excellent student
If you are a good student with at least a 3.0 Grade Point Average (GPA) and are under 25 years old, then you may be eligible for a discount. Most car insurance policies reward students who do well in school.
19. College student
If you have a college student who is currently living on campus, then you may qualify for a discount. Sending kids off to college can pay off today.
Owning your own home can pay off. Mention it to your car insurance provider to save a couple of extra dollars.
21. New car
New cars pay off! Tell your insurance provider that you own a new car and you might be able to get a discount off your bill.
Author Bio :
Anand Rajendran is a freelance writer living in Chennai, India. His interest in personal finance and budgeting began when he was earning an MFA in theater, living in one of the most expensive cities in the country (Chennai, TN) on a student’s budget. Today, he writes for a number of websites and keeps up his own Classic Car Insurance company named Sysive in UK.