Car Insurance Discounts You Can Ask About

Talking to your car insurance agent offers a way to find ways to cut your auto insurance costs. When you discuss your needs with an agent, they'll aim to find the best policy for you and look for applicable discounts. These discounts can save you a lot of money. Fortunately, auto insurance companies offer many discounts. Here are some discounts you might qualify for with your plan.

Driver's training or defensive driving

Some insurance providers offer discounts to drivers who complete educational courses. For example, a teen driver might receive a discount for taking a driver's education course. In addition, adult drivers might benefit from completing defensive driving courses. These courses educate drivers, providing knowledge to help them drive safer.

Good record

A person's driving record plays a major role in rates. People with blemished records pay higher rates, as they're higher risks. However, a good record results in discounts and lower rates. Therefore, drivers should aim to avoid tickets, violations, and accidents. The result will be lower auto insurance rates.

Low mileage

Did you know you're less of a risk to an insurance company if you drive less? As a result, you might qualify for a discount if you don't drive a lot. You can ask your agent about this discount if you think you qualify.

Car safety equipment

The agent might also ask you about your car's safety equipment. After all, safer cars are less risky. For example, you might get a discount if your car has anti-lock brakes or an anti-theft security system. Airbags in vehicles also make them safer, resulting in discounts on plans.

Auto payment enrollment

You might qualify for some of the discounts mentioned, but not all. However, you can qualify for a discount by agreeing to auto payment services. This involves signing up for electronic transfer of money (EFT) payments for your plan. EFT payments ensure you'll pay your bills, reducing the agent's work.

Paperless statements

You'll also qualify for a discount if they offer a paperless statement discount. To get the discount, you must enroll in paperless statements. The insurance agent will deliver your statements through email instead of regular mail.

Talk to your car insurance agent

You can see that auto insurance agents offer many discounts. Each discount you receive cuts your rates, so you should talk to an agent about these things. Then, you'll save money on your auto insurance policy.

For more information, contact an auto insurance agent near you.