Finding an Affordable Auto Insurance Policy

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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 鈥“ 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.

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