Auto Insurance Discounts
As independent insurance agents, we have access to a large number of insurance carriers. These insurance companies offer a variety of discounts that can have a dramatic effect upon your premiums. The following list of auto insurance discounts is not comprehensive, but it should hopefully give you an idea of the discounts that are available:
You could save up to 25% for driver-side air bags or 40% for full-front seat air bags. These discounts apply to the medical payments or personal injury portion of your car insurance premium.
Anti-Lock Brake System
Does your car have a factory installed anti-lock braking system? You could receive a 5% discount on the collision portion of your premium.
Cars with a built-in anti-theft system could earn you a discount of up to 25% on the comprehensive portion of your premium.
Daytime Running Lights
Vehicles equipped with Daytime Running Lights as standard equipment could earn you a 3% discount on certain car insurance coverages.
Driving History & Habits
Five-Year Accident-Free Good Driver
Got a squeaky clean driving record? It could translate into serious auto insurance discounts. If you’ve been accident-free for five years, you may be able to save up to 26% on most coverages.
Seat Belt Use
Buckle up and drive down your rate. If you and your passengers always wear seat belts, you could receive a discount of up to 15% off the medical payments or personal injury protection portion of your premium.
Defensive Driving Discounts
If you’ve completed a defensive driving course, you may be able to save even more on your premium.
If a young driver in your family has completed a driver’s education course, you may earn a discount on most coverages.
Full time students with a good academic record could be eligible for up to a 15% discount on certain coverages. (In most states, policyholders between the ages of 16 and 25, who are full-time students with a “B” average or better, are eligible for this discount.)
Insure more than one car with the same insurance company and you could get a discount of up to 25% on most of your car insurance coverages.
Multi-Policy / Multi-Line Discount
When you insure your car through the same insurance and have a Homeowners, Renters, Condo or Mobile Home policy, you could get a discount on your car insurance.
To find out more about the insurance discounts you may qualify for, please give us a call.