Business Development

Do you need less expensive auto insurance? You can get considerable savings with discount auto insurance. Here are some discounts that will lower the cost of your insurance without cutting your coverage:

• Discounts for being a safe driver. If you have had no accidents or moving violations in the last few years, you may be eligible for a safe driver discount. You may also get a discount for taking a defensive driving or accident prevention class. If you qualify for a safe driver discount, but another driver in your household does not, you may need to discuss the possibility of putting them on another policy.

• Safe car discounts. Many insurance companies will give you a significant discount if your car has automatic safety features like anti lock brakes, automatic seatbelts, airbags, and anti theft devices.

• Infrequent driving discounts. The less you drive, the less likely you are to have an accident. If you drive fairly infrequently, adding up to fewer than 5,000 or 7,000 miles per year, you may be eligible for a discount. Driving to work may raise your premium, so if the rate hike is high enough, you may want to consider taking public transportation to work.

• Discounts for taking out multiple policies with the same lender. Bundling your renter’s or homeowner’s insurance with your auto insurance could net you substantial savings. Taking out more than one auto insurance policy with the same agency can also get you a discount on your rates.

• Discounts for club membership. Many clubs and other membership organizations arrange for a discount, often about 3%, with particular agents or agencies. Look through the membership information of all the organizations you belong to to discover whether they have arranged a discount. If not, consider joining AAA. Most agencies offer discount auto insurance for AAA members, and in addition to all the other benefits AAA offers, the annual fee may be less than the money you save at your insurance agency.

• Discounts for loyalty. Many insurance agencies reward customers who stay with them by offering long term policyholder discounts after the customers have been with them for a few years.

Discount auto insurance doesn’t have to mean low coverage auto insurance. You can lower your auto insurance premiums by over 30% if you are a safe driver, drive a safe car, and get all of your insurance policies from the same lender. You can get even lower premiums by getting a membership in AAA and keeping the same insurance company for a few years. As you get quotes for discount auto insurance, make certain the agent signs you up for all the discounts you are eligible for. You may be pleasantly surprised to see how low your premium can be.

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