Auto Insurance Prices

Resource Center

When shopping for auto insurance, it is important to do your research. It is a very important financial decision in one's life, and there are many things people are unaware or uncertain of. We also provide tips to help you save, and find the best combination of price and coverage for each individual. Click the articles below to begin your research!

Common Auto Insurance Discounts

About Us

If you're looking to save money on auto insurance, you may not know where to start. Many consumers are unfamiliar with the wide array of discounts that are offered on auto insurance, and end up paying more than they should for their coverage. Saving money on your auto insurance plan is like putting money back in your pocket.

Having coverage that suits your needs is important. But that doesn't mean that it has to be outrageously priced. When searching for the best car insurance plan for you and your family, make sure you consider the following discounts before agreeing to a plan:

Multiple Vehicle Discount

If you are insuring multiple vehicles on your plan, many companies will offered a multi-car rate, which is cheaper than insuring just one vehicle.

Safe Driving Course

Taking a driver safety course will usually lead to lower discount rates from your insurance company. This applies to students who are being covered under auto insurance. Students are usually the most expensive to insure, but a safe driving course helps show insurance companies that the young driver is not as risk-adverse as other drivers.

Anti-Theft and Safety Devices

Making your car more secure will likely save you money on your insurance coverage, in addition to avoiding the hassle of a break-in. Having things like a smart key, a security alarm, GPS tracking device in case the vehicle is stolen, and fuse cutoff technology are all features that will save you money once you have them installed. Standard safety features like airbags and anti-lock brakes help costs as well, as do add-ons like vehicle identification numbers (VIN) etched into your windshields. Insurance companies rates are oftentimes related to how risky they feel your car is to insure, so the safer you make it, the lower your rates will be.

Driving Safely

If you avoid accidents and tickets for an extended period of time, you will likely get a safe driver discount from auto insurance companies.

Customer Loyalty

Some auto insurance companies offer discounts for staying with the company for a long time. If you've been with a particular insurer for quite a while, this discounted rate may already be applied, but ask your insurer to make sure, and to see if you are eligible.

Affiliates Discount

Being a member of certain affiliates like AAA may translate into a discount on your car insurance. Ask your company what affiliates they partner with to see what discounts you can obtain. Oftentimes being a member of the military or a college student at certain universities will lead to a discount on your plan.

Insurance Prepayments

If you can swing it financially, some companies offer a discount if you pay for your entire year's coverage at the beginning of the policy year. This ensures full payment for them, and some money saved for you.

Low Mileage

The more you drive, the more risk you're taking with getting into an accident or having your car broken into. Because of this, some insurance companies offer discount packages to drivers who don't use their car that often. It's possible that a portion of your insurance premium is based on how many miles a month you drive, so talk to your agent and see if you qualify as a low mileage driver.

Insurance Bundling

Purchasing more than one type of insurance from a company, like home or life insurance in addition to your auto insurance, will usually lead to a bundling discount. This can save you up to 10 to 15 percent on your insurance premiums.

These are just some of the most common forms of auto insurance discounts available. Make sure to talk to your agent to discuss all available discounts. If you’d like to see which discounts you qualify for and are ready to get your free quote now, fill out our simple online form to shop insurance rates online.