Common Discounts:

The Good Driver Discount. As most of us know, the better we drive, the better our rates will be. Most insurance companies offer discounts to drivers who have not had accidents or received tickets in the last 3-5 years.

The Safe Vehicle Discount. Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes.

The Good Student Discount. Students currently enrolled in school often receive a discount on auto insurance for their good grades; as many companies feel conscientious students make conscientious drivers.

The Senior Discount. Many insurance companies offer discounts to drivers over 50.

Low Mileage Discounts. Some insurance companies will offer discounts on vehicles that incur low annual mileage. Many companies have a predetermined number of what they consider low mileage.

Rural Discounts. It is almost always cheaper to insure a vehicle in a rural area. Most accidents happen in larger cities, which means if you are a city-dweller, expect higher rates. This also applies to areas where car theft is most common. Generally, residents of these areas will likely be charged higher rates, which is commensurate with the higher risk.

Occupational Discounts. Many companies offer discounts to people with certain degrees, such as engineers, scientists, and mathematicians. Historically people in these professions have been less likely to get in accidents. Likewise, many auto companies offer discounts to certified teachers and to people in the military (both active and retired).

The Internet Discount. Many insurance companies offer discounts to consumers who sign up for coverage online. Likewise, companies like InsWeb that offer you multiple quotes are able to show the lowest rates available from their various participating carriers for you to insure your vehicle(s).

Auto Club/Professional Organization Membership Discounts. Many carriers offer discounts to people who are members of auto clubs (such as AAA) and other professional organizations

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More Insurance Information:

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