Thursday, March 12, 2009

Discount Auto Insurance

By Dante Hollowitz

The cost of owning a car these days is becoming increasingly heavier for a lot of people. With gas prices at an all-time high, and an economy sinking steadily into what might be a very long Recession, knowing how to get some car insurance discounts or two to reduce your auto insurance costs can be incredibly useful in these times. Here are some of the most common types of discounts, find out from your insurance company about the ones you may be eligible to get:

1.Keeping your auto insurance coverage continuous, with no cancellation or lapses, can get you discounts.

2.If you can boast an exemplary driving record (and that really is something to be proud about!) you may get Good Driver Discounts.

3.Discounts for setting-up extra safety and security features on your vehicle.

4.Discounts for putting all of your insurance needs (house, renters, boat ins., etc.) under one company.

5.Discounts for putting multiple vehicles under your policy.

6.Lower rates for averaging less than Fifteen-thousand miles a year on your car. Also may apply if you have short commutes.

7.Military Active / Reserved / Professional Groups or membership Discounts.

8.Discounts if you have not been involved/caused any accidents, and has not had any tickets or points against your drivers license for a certain period of time (usually three years.)

9. Discounts for having continuous auto insurance coverage

The risk you carry as a driver influences how your auto insurance premiums are computed greatly. What you do to reduce this risk, as compared to the average risk in whatever age group or category you fall under, is what makes discounts possible.

The Internet is a great place to begin finding more affordable car insurance policies, as well as maximize the amount of car insurance discounts that you can obtain. The websites of car insurance providers themselves provider valuable information of car insurance discount options and who are eligible for them. Remember, a smart shopper knows to find and compare the kind of discounts, deals and offers available to make for the most affordable price before purchasing. You can do the same!

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