When you receive your policy, check the information you used to make sure your premium is correct. Car insurance providers are required by law to provide a detailed ratings page in your policy that explains how your policy is rated, what the ratings mean, and how your premiums are calculated. You should also check your policy information on these pages and confirm that:
- Your letter and/or garage registration is correct
- Each vehicle is properly registered
- Any deductibles you have are applied
- Your vehicle’s make and model. Correct
- Driver’s age/date/date of birth Correct
- Days of accident and known correct decision
Situations in Which Discount is Available:
- You may reduce your premium
- If your car is equipped with automatic seat belts or air bags
- If your car is equipped with factory installed anti-lock braking system (ABS)
- Several anti-theft devices qualify for a reduction on the comprehensive portion of the auto insurance premium
- If your car is equipped with factory installed daytime running lamps (DRL)
- Some insurers give discounts for senior citizens or retirees
- Some insurers offer a discount for vehicles participating in a Telematics
- You may reduce your auto insurance costs by raising the deductibles on physical damage coverage’s.
Auto insurance discounts are
Auto insurance discounts are reductions in the premium costs offered by insurance companies to policyholders who meet certain criteria or conditions. These discounts can help drivers save money on their insurance premiums. Here are some common types of auto insurance discounts: - Multi-policy discount: This is offered when you have multiple insurance policies (such as auto and home) with the same insurer.
- Multi-car discount: Given when you insure more than one vehicle on the same policy.
- Safe driver discount: Awarded to drivers who maintain a clean driving record without accidents or traffic violations.
- Good student discount: Provided to young drivers (typically students under a certain age) who maintain good grades in school.
- Low mileage discount: Offered to drivers who drive fewer miles than average per year.
- Safety feature discounts: Given if your vehicle is equipped with certain safety features like anti-lock brakes, airbags, or anti-theft devices.
- Pay-in-full discount: Provided when you pay your annual premium in one lump sum instead of monthly installments.
- Occupational discounts: Some insurers offer discounts based on your occupation, particularly if it suggests lower risk.
- Loyalty discount: Offered to customers who have been with the same insurance company for a certain period of time.
- Renewal discounts: Given when you renew your policy with the same insurer.
- These discounts can vary by insurer and location, so it’s beneficial to shop around and compare offers to find the best deal for your specific situation.
Vehicle Equipment Discounts
Air Bag Discount
You could save up to 23% if your vehicle has air bags. These discounts apply to the medical payments or personal injury portion of your car insurance.
Anti-Lock Brakes Discount
Does your car have a factory installed anti-lock braking system? Congrats! You could receive a 5% discount on certain car insurance coverage’s.
Anti-Theft System Discount
Cars with a built-in anti-theft system could earn you a discount of up to 23% on the comprehensive portion of your premium.
Daytime Running Lights Discount
Vehicles equipped with daytime running lights as standard equipment could earn you a 3% discount on certain car insurance coverage’s.
New Vehicle Discount
New vehicles 3 model years old or newer could earn you up to a 15% discount on certain car insurance coverage’s.
Discounts for Driving History and Habits
Good driver who has been accident-free for five years:
Accident-free driver? This means significant savings on car insurance and better deals for drivers. If you don’t have any issues for 5 years, you can save up to 22% on most payments.
Discounted use of harnesses:
Build your tree. If you and your passengers wear a booster seat at all times, you may be able to get a deductible from your health insurance or personal injury insurance.
Driver’s Education Discounts
- Defensive Driving Discount: You can save a lot if you complete a defensive driving course. Find out if you qualify for car insurance premiums on our car insurance policies page.
- Driver’s Education Discount If the young driver in your family completes driver training, you can receive many additional benefits.
- Good Student Discount Full-Time students in good standing receive a 15% discount on certain grants.
- Customer Loyalty Discounts
- Multi-Vehicle Discount
- Multi-Policy Discount