Tips to Find Car Insurance Discounts

Before you pay your monthly car insurance premium, see if there are any discounts you can apply for. Discounts can help save you money on your car insurance premium and also reduce your deductible, which means you won’t have to spend as much out of pocket in the event of an accident or other covered incident such as theft or vandalism that’s not your fault. Here are some tips to find car insurance discounts so you can save even more money on your next policy renewal!

Shop Around

The very first step you should take when looking for new car insurance is doing some research and then shopping around. By shopping around, you’ll be able to get a better idea of what different types of coverage cost in your area. Start by getting quotes from at least five different insurers, since you can often find big savings that way.

Look For Claims-Free Discounts


Some insurance companies offer a claims-free discount. If you haven’t filed a claim in years, you could qualify for one. Some insurers also reward drivers who have kept their record clean by paying for several years without filing any claims.

Your Age and Gender Affect the Price

Getting a great deal on car insurance is all about finding as many discounts as possible. Start by asking your agent if there are any discounts available because of your age or gender. If you’re under 25, you may be eligible for significant savings with an assured policy that covers drivers between 16 and 25 years old. And if you’re a woman, certain insurers may offer reduced-rate coverage for several years after graduating from college.

Add Multiple Drivers

Adding more drivers on your car insurance policy will raise your premium, but it may help you find discounts. If you have family members with a good driving record, adding them as drivers can lower your rates. To save even more money on your car insurance rate , simply start a new policy and change or add one driver. Many insurers will reward you for being a loyal customer by lowering your rate if you let them know that you’ve decided to stick around.

Look For Insurer Discounts

The first step in finding car insurance discounts is simply contacting your insurer. Often, companies offer a range of possible discounts or incentives for policyholders based on various factors like how long you’ve been driving, your age, and credit history. Contacting your insurer can help you discover any options that may be available to you—although it doesn’t hurt to do some legwork and look into what other insurers offer. You may even find that some competitors offer better deals than your current company!

Get an Advanced Driver Training Course (ADTC) or Pass a Road Test to Get a Driver Improvement Course (RDC) Discount

If you’re nervous about your skills behind the wheel, take a driver improvement course to hone your driving skills. You can enroll in an Advanced Driver Training Course or Pass a Road Test for an insurance discount. The exact amount of your discount will vary based on your insurance company and state regulations. While these discounts are most commonly awarded to first-time drivers, it’s possible that those with bad driving records could qualify as well, provided they have taken steps toward correcting their mistake.



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