A-1 Autoinsurance
1-800-921-1120
The Hartford AARP CF 200x120
  
Insurance Articles by A-1 Auto Insurance



Finding an Affordable Auto Insurance Policy


Most states require drivers to purchase auto insurance before they get behind the wheel. It pays to compare rates from different insurance providers. However, you also need to inquire about any possible discounts that could lower the amount of your annual car insurance payments. We recommend you consult the following list of discounts that may be available to you. Each insurance company and state will offer different discounts which can help you find affordable auto insurance.


Safe Vehicle Discount


You may be eligible to receive this discount if your vehicle contains particular safety features. Safe vehicle discounts are often available if your vehicle includes:


Anti-lock brakes
An anti-theft device
Daytime running lights
Airbags
Insurance companies offer lower auto insurance rates because these features reduce the risk of theft and injuries, and therefore insurance claims.
Safe Driver Discount
Anyone who has not received any moving violations or been involved in any motor vehicle accidents for a three-year period may be eligible to receive a safe driver discount.
Student Driver Discounts
Younger drivers have to pay much higher rates for auto insurance. Fortunately, students who are enrolled full-time and meet minimum GPA and age requirements may be able to lower their auto insurance rates. Each state and insurance company offers their own insurance discounts. Companies such as Allstate require students to be full-time, at least 25 and single in order to receive a student driver discount. However, certain states only require students to be 21. You may also be eligible for a student driver discount if you are a full-time student who lives a minimum of 100 miles from your home.
Senior Insurance Discounts
Drivers who are between 50 and 55 or retired may receive a senior auto insurance discount. Some insurance companies will offer additional discounts to drivers who complete a defensive driving course or driver training program.
Additional Discounts
Here are some additional ways you may be able to lower the amount of your auto insurance payments.


Higher Deductible


You can choose a higher deductible; increasing your deductible to $500 can save you money every year “ as much as 15 to 30 percent. Opting for a $1,000 deductible can save you as much as 40 percent on your auto insurance.


Low-Mileage Discount


If you drive your car infrequently, you may be eligible to receive a low-mileage discount. Drivers who carpool to work normally qualify for this type of discount.


Multi-Policy Discount


Purchasing more than one type of insurance from the same insurance company may qualify you to receive a multi-policy discount. Many companies reward consumers who buy at least two types of insurance such as auto insurance, life insurance or homeowners insurance. Insuring more than one vehicle with the same insurance company is another way to receive a multi-policy discount.


Long-Term Discount


Many insurance companies reward long-time policy holders with a long-term auto insurance discount. You should inquire about this option if you have remained with the same insurer for many years. You may be able to lower your annual insurance premiums.


As you can see, insurance companies offer many different types of insurance discounts. Be sure to ask about them before you purchase any type of insurance policy. Just remember that the final price of an insurance policy is what actually counts, not merely what discounts are available.


 











What is homeowners insurance?

Why do you need health insurance?

Why do you need life insurance?

How Does Your Credit Score Affect Your Insurance Rates

Why You Need to Report That Accident

How to Collect on an Insurance Claim

How to Prevent Vehicle Theft

What to Do If Your Vehicle Is Stolen

Obtaining Affordable Auto Insurance If You Have a High Credit Score

How to Obtain Affordable Business Auto Insurance

Factors That Affect the Cost of Liability Auto Insurance

How to Avoid Driver Distractions

Resisting Road Rage

Qualifying for Military Auto Insurance Discounts

Obtaining Auto Insurance for an Out of State Move

Obtaining Teen Auto Insurance

How to Lower Your Auto Insurance Rates

Avoiding the Temptation to Drink & Drive

Submitting a False Insurance Application

All About Assigned Risk Insurance

Don’t Rely Solely On Price When It Comes To Auto Insurance

How to Avoid Insurance Fraud

What You Need To Know About First Time Driver Auto Insurance

The Top Ten Steps to Avoid Insurance Fraud

How to Obtain DWI Auto Insurance

Save Money by Changing Your Auto Insurance

Insurance Tips

All About High Risk Auto Insurance

SR22 Insurance

International Auto Insurance

How to Obtain Auto Insurance with A DUI

Obtaining Auto Insurance For Hard to Insure Vehicles

Components of Auto Insurance

Obtaining an Auto Insurance Student Discount

State Auto Insurance Minimums

MINIMUM STATE AUTO INSURANCE REQUIREMENTS

Car Insurance for Female Drivers

Purchasing Direct Auto Insurance

What You Need to Know About Family Car Insurance

How to Obtain Affordable Car Insurance after a Divorce

When You Should Disable Airbags

Car Accidents Often Occur Very Close to Home

All About Personal Injury Protection

Do You Need Small Business Car Insurance

Discover the Facts About Safe Car Insurance

The Limitations of Auto Insurance

No Credit Check Car Insurance

Insurance Policy Cancellations

What You Need to Know About Short-Term Car Insurance

Reviewing Auto Insurance Rates in Various States

All About Classic Car Insurance

Obtaining Seniors Auto Insurance

How Cell Phones Affect Car Insurance

Temporary Auto Insurance

Finding an Affordable Auto Insurance Policy

Learning More About Gap Car Insurance

Comparing Vintage & Regular Auto Insurance

Discover the Facts About No Fault Auto Insurance

The Facts About Commercial Auto Insurance

Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...

Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!

Discover the Various Types of Life Insurance

Useful Tips for Purchasing Life Insurance

Protect Your Small Business With Term Life Insurance

Purchasing Life Insurance Coverage For Your Children

When Should You Opt for Term Life Insurance?

What to Do If You Lose Your Life Insurance Policy

The History of Whole Life Insurance

The Main Differences Between Term Life & Whole Life Insurance

Whole Life Insurance Glossary

What You Need to Know About Variable Life Insurance

Learn More About the Different Types of Whole Life Insurance

Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!

Insuring Your Spouse with A Life Insurance Policy

Discover the Many Benefits of Life Insurance

Everything You Wanted to Know About Universal Life Insurance

Discover the Facts About Term Life Insurance

The Advantages of Purchasing Whole Life Insurance

10 Important Facts About Purchasing Life Insurance: Discover the Secrets…

Save Money By Comparing Term Life Insurance Quotes

Discover Where to Obtain Whole Life Insurance

Return of Premium Term Life Insurance is Making A Comeback

What You Need to Know About Key Man Life Insurance

The Many Functions of Whole Life Insurance: Why You Should Consider It

The Benefits of Buying Term Life Insurance Online

Should You Combine Term Life & Whole Life Insurance?

How to Select A Beneficiary

The Dangers of Letting Your Life Insurance Policy Lapse

What You Need to Know About Mortgage Life Insurance

Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50

The Benefits of Joint Term Life Insurance

Choosing Life Insurance to Accommodate Your Changing Needs

Purchasing Life Insurance for Newlyweds

All About Fixed Term Life Insurance

What Women Need to Know About Purchasing Life Insurance

The Importance of Life Insurance For Young Individuals

Permanent Life Insurance or Term Life Insurance: Which One is Right For You?

Are You Aware of Additional Life Insurance Options? Learn More About Rider Benefits

How to Save Money When Buying Term Life Coverage

Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult

What You Need to Know About Short-Term Life Insurance

Do You Actually Need Life Insurance… Read On to Find Out!

How Life Insurance Can Protect You When You Purchase A House

Discover the Flexibility of Whole Life Insurance!

Should You Switch to A Whole Life Insurance Policy?

Wonder How Insurance Companies Calculate Your Premiums?

Do Something Positive For Your Health & Your Pocketbook & Quit Smoking

Deciding Between Whole Life & Term Life Insurance Once You Retire

How to Obtain Life Insurance Coverage If You Have A Medical Condition

The Importance of Key Person Life Insurance

Discover the Premium Payment Options for Whole Life Insurance

How Can A Life Insurance Policy Protect Your Loved Ones?

Discover Why You Should Purchase Life Insurance NOW!

Why Is Return of Premium Life Insurance Increasing in Popularity?

How to Find A Reputable Life Insurance Agent

Using a Life Insurance Policy to Pay off Your Home

The Basics of Life Insurance

How to Protect Your Family with a Life Insurance Policy

Discover the Facts About Child Life Insurance

Weighing the Advantages of a 5 and 10-Year Term Life Insurance Policy

The Many Benefits of Term Life Insurance

Should You Buy A Whole Life or Term Life Insurance Policy If You’re Single?

Deciding Which Whole Life Policy Best Meets Your Needs

Discover the Security of Term Life Insurance

When Should You Update Your Life Insurance Policy?

Determining How Much Life Insurance Coverage to Purchase

Term Life Insurance: One of the Most Affordable Options

Benefits of Offering Group Life Insurance to Your Employees

The Importance of Life Insurance for Stay-At-Home Parents

How to Simplify the Process of Comparing Life Insurance Rates

The Importance of Selecting Your Life Insurance Beneficiary

Deciding on Term Life or Mortgage Insurance

How Are Life Insurance & Health Insurance Rates Determined?

Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits

Do You Know What Your Life Insurance Coverage Includes?

Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance

Why You Should Consider Whole Life Insurance If You’re Young

What You Need to Know When Applying For Life Insurance

Purchasing Life Insurance For Married Couples

Whole Life Insurance for Young Children

How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons

When Is Whole Life Insurance Preferable to A Term Life Policy?

Life Insurance: A Great Way to Plan Your Financial Future

5 Ways to Pay Less For Your Insurance Premiums

Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance

Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait

The Pros & Cons of No Examination Life Insurance

Discover 7 Easy Ways to Pay Less for Life Insurance

What You Need to Know Before Purchasing Life Insurance

Term Life Insurance & Buying a House: An Effective Partnership!

Determining the Amount of Term Life Coverage to Purchase

Dealing with Life Insurance Issues When You Divorce

Why Purchase A Term Life Policy?

Home | About Us | Contact Us | FAQ's | Articles | Site Map | Privacy Policy Copyright © 2018 A-1AutoInsurance.com, 5705 Steep Hill Road, Bldg 10712, Fort Smith, AR 72916