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How to get a discount on car insurance
How low is your car insurance premium?

Auto InsuranceAuto Insurance Learn CentreHow to get a discount on car insurance
Driver discount
Policy discount
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Car insurance is needed in most states. That means that insurance companies don't need to convince you that it's a good idea to buy some - the way they do it is, say, life insurance - just like selling you to the idea that you have to buy it from them rather than a competition.

One way they do this is with a tradition of discounts that have long been tested by consumers.

There are many different car insurance discounts that you can get from your insurance company, but most insurance companies categorize the types of discounts into three main groups: driver discounts (discounts to do with you), vehicle discounts (discounts relating to your car) and policy discounts (discounts must be with other policies you have, or how you pay).

Before you buy car insurance, you can save money from bats by ensuring that you buy the right amount of car insurance. Need to know how much car insurance do you need? We can help you find out the number of your ideal coverage, plus giving you free car insurance offers from leading insurance companies in America.

Read on to find out more

Driver discount
Discounted vehicle prices
Policy discount
Driver discount
One of the main factors in determining your car insurance level is, well, you. There are a number of things, such as your age, that you can't do much, but you can take advantage of some of your personal details to save big on your premiums.

Affiliate discount
Many car insurance companies will provide discounts based on affiliation with certain groups, and this often takes the form of job discounts.

Active military members can often obtain car insurance at reduced rates, as do various types of federal employees. Some insurance companies also offer educator discounts.

Apart from these large groups, you can also search for more company-specific discounts. GEICO, for example, has insurance discounts for Berkshire Hathaway company employees. You can also get discounts to become alumni from several schools (further below), fraternities and sororities, or other groups.

Think you are not eligible to get a discount? There is a discount for members of Water Ski USA, so you never know. It's always worth seeing!

Student discounts
Student discounts are quite popular because they make it more affordable for parents to buy (car insurance for young drivers is notoriously expensive).

The most common type of student discount is a good student discount, which is quite clear: if a student keeps making their grades above a certain threshold, prices remain low. This is good for their education and wallet, if parents teach them difficult lessons about money management early by making them pay for their own car insurance.

As mentioned above, there are also discounts on college alumni. Many insurance companies also offer discounts for students when they are still in college. It is very difficult (or expensive) for many students to take their car when they go to college, but they still need insurance when they return home. For those who will not use their car often, they can get car insurance at reduced rates so that they are still protected without paying full time premiums.

Good driver discount
And then there is a discount for how good or often the driver is driving.

A good driver discount is based on the number of claims submitted, how many times you get a ticket, and so on. If you've ever had a bender fender, you know that it can raise your rates quite a lot. But if you can go three to five years - depending on the car insurance company - without any incident, you might be able to see a decrease in your insurance premium.

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++++++++ You can also get discounts to become educated drivers. Completing a driver's crazy course can often give you a discount, but it's most often associated with new drivers. If you still want to reduce rates, a defensive driving course can help you achieve the same results. Talk to your insurance provider about certifying what they value with discounts.

Finally, look for low mileage discounts. The less you drive, the less likely you are to have an accident, so many insurance companies will give you a break if your annual mileage is quite low.

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