We have seen a lot of advertisements from Insurance companies everywhere telling us theirs are the cheapest. But a lot of people didn’t know that they are overpaying a lot for the same policy. This website will show you the 25 Car Insurance discounts that a lot of people didn’t know, and didn’t claim.

Tip 1. Discount – Multi Car Policy Discount.

Having multiple cars in the same house may get you an extra discount. Ask the insurance agent.

Tip 2. Discount – Package With Your Other Insurance With Same Insurance Company.

If you bundle your housing insurance policy with your car insurance policy, then you may get a larger discount. Therefore, try and club other insurance policies with your car insurance policy If it’s better. Ask the insurance agent.

Tip 3. Discount – Seat Belt Use.

If you use a seat belt all the time and you tell them, you may get a discount. Ask the insurance agent.

Tip 4. Discount – Occupation Discount.

If your occupation is Engineer, Teacher, Doctor, Nurse, in IT Fields. You are likely to get a discount. Since people who have these jobs are lesser likely to have accidents, tickets. If you belong to this group, Make sure you claim this in future policies.

Tip 5. Discount – Driver’s Education – Defensive driver lesson discount.

If you take defensive driver lessons, driver’s education, you tend to have lower risk in the eyes of the insurance company, you can get a discount. Ask the insurance agent.

Tip 6. Avoid Being Penalized By Getting Driving Records, Accident Records, Claim Histories From corresponding Department.

You need to know the driving records, accident records, claim histories of all the drivers you are quoting for, and tell honestly so that when they check, you will not be penalized. Not everyone can remember when those accidents, and tickets happened. It’s better to request the record from the corresponding department before you ask for a QUOTE. (department names are different in different country.)

Tip 7. Discount – Emergency deployment.

If you in emergency deployment, you can get a discount, just tell them where you park your car. Ask the insurance agent.

Tip 8. Discount – Married, Widowed Discount.

Married, widowed receive discounts. If your status changed, talk to the agent and make sure you claim this in future policies.

Tip 9. Discount – Good credit score.

Car insurance companies look at credit score to predict the odds that someone will file a claim. Getting a good credit score can help lower the rate, getting a discount. Improve your credit score. Work on improving your credit and contact your insurance provider to ask for a discount once your score goes up. Ask the insurance agent.

Tip 10. Discount – Install Safety, Anti-theft Devices.

Always install safety and anti-theft devices like anti-theft system, airbags, anti-lock braking system in your car. If you installed, you are better protected against theft, and accidents. Tell them. If you install these, your risk goes down, It would be cheaper to insure. So make sure they know about these installed devices. If you installed these, Make sure you claim this in future policies.

Tip 11. Discount – Driving records.

Keep your driving records clean. A clean record may yield a good car insurance policy with better discounts. Ask the insurance agent.

Tip 12. Discount – Good student discount.

If you are a student and you got good grades(Under 25 years old & 3.0 GPA+), you can also get a discount. Ask the insurance agent.

Tip 13. Discount – Named drivers trick.

Adding a named driver to your policy can increase or reduce your premiums depending upon the named driver’s age, sex, and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly If the named driver is female! Ask the insurance agent.

Tip 14. Discount – Military discount.

you may also get a discount If you are in the military. Ask the insurance agent.

Tip 15. Discount – Homeowner Discount.

If you are a homeowner, you are at a lower risk. If you belong to this group, Make sure you claim this in future policies.

Tip 16. Discount – Government employee discount.

If you are a government employee, you may get a discount. Ask the insurance agent.

Tip 17. Discount – Mileage Discount.

The more miles you drive, the more you will be charged since the risk is higher. If your annual mileage is 5,000 miles or less, or average drive time is around 40 miles per day, you are generally qualified for low mileage discounts. If the driver does not fall into this category, he or she can avoid using the car for a few days. This idle time can reduce your car’s mileage, get low mileage discounts. If you are driving less, talk to the agent. Make sure you claim this in future policies.

Tip 18. Cover the repair costs yourself if cheaper instead of doing full coverage.

This depends on how much is your repair costs and how you are paying. In some states, a small or medium repair costs $1000, $2000. If you pay full coverage for two years, you likely to have spending more than the repair costs. If you are less likely to need repair and have funds to cover it, you can consider this option. Ask the insurance agent.

Tip 19. Discount – Update your coverage regularly.

The value of your vehicle will drop over time. If you don’t upgrade your policy regularly, you might find that you’re paying for coverage that exceeds the value of your vehicle. Your needs can change over time. Your insurance coverage should change over time, too. Companies can also change their pricing structure. A great deal this year might not be as competitive next year. Reevaluate your needs and shop around annually and after any major life event. Keep beneficiary designations up to date. Ask the insurance agent.

Tip 20. Discount – Affiliation to some group or company.

If you are affiliated with some group like (Honda owner, Union member, Teachers associations, etc), you may get a discount. Ask the insurance agent.

Tip 21. Discount – Pay in full discount.

If you pay your full-term upfront, car insurance companies typically offer a discount such as 10%. Ask the agent.

Tip 22. Discount – Electronic funds transfer (EFT) discount.

If you pay in installments, you may get a small discount for using automatic withdrawals. Ask the agent.

Tip 23. Don’t need to wait for your policy to “expire”, “renew”.

You can always switch insurance company, you don’t have to wait for your policy to “expire”, “renew”, but you may need to pay a cancellation fee. If you have to pay $30 today and save $300 tomorrow. It’s a no-brainer. If you found a better deal, you can switch tomorrow.

Tip 24. Discount – Make sure the agent has the time, and interest to work with you.

Show some respect towards them and their knowledge. They may give you a better price.

Tip 25. Discount – Get more than 1 quote, so you can compare.

The biggest car insurance savings come from shopping around. There can be big differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). You can also browse the net If you want a wider choice. Hope you like these tips about car insurance. These will save you a lot of money on car insurance in coming years!

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