You Qualify For Car Insurance Discounts

You Qualify For Car Insurance Discounts

Car insurance can be expensive especially if you have tickets or have been in a car accident. However, most car insurance companies have plenty of discounts available to their customers. The problem is that most people do not know well and then fail to ask about them. This is just fine with the insurance companies, because it means that they collect more money.


The insurance is a competitive industry and providing a discount based on pre-established criteria is a way to get and keep certain groups of customers. Typically, these customers are the one that is less risky to insure. This means they are less likely to purchase tickets or to get in wrecks. Because they represent less of a risk to the insurance company, who are willing to give them premium discounts. Below, we discuss two well-known and little motor insurance discounts. If you think you qualify for any of these, be sure to give your insurance salesman a call and see if they can help you save some money.

1. No Accidents, No Tickets: Individuals who have not received any tickets or have not been in any accident in the last 3-5 years may be able to benefit from reduced tariffs. If this is you, be sure to contact your insurance sales person and ask them if you qualify.

2. Multi-line discounts: Having both your home and car insurance with the same insurance company will also save you money. It may also be more convenient and simpler to only have to pay a premium every month or every six months (depending on your payment schedule).

3. Engineering and Science Degrees: Studies have shown that individuals with degrees in engineering and science tend to be safer drivers. The 21st Century Group will provide discounts for those individuals in California, Nevada, Arizona, Washington and Oregon.

4. Being an Educator: Being a teacher offers more advantages, then get 3 months holiday a year. Moreover, individuals qualify for cheaper insurance rates. Insurance companies such as Esurance, Horace Mann, the 21st century and Ohio Casualty, provide all the discounts for teachers.

5. Being in the Military: Individuals in the military also benefit from cheaper insurance rates. The Geico insurance company offers discounts to active and retired military personnel in 40 states. The only states not included, New Jersey, Texas, New Mexico, Georgia, Tennessee, Mississippi, Indiana, Maine, Massachusetts and Michigan.

6. Being a member AARP: The AARP is a very strong group and are able to command the lowest insurance rates. On average, one member of the AARP can net buyers of insurance discounts between 10% -25%.

It is important that you qualify for insurance discounts, you claim them. Call your insurance sales person and create a meeting. Have them go with you over all the discounts available that your company has to offer, then see if you qualify for any of them. You might be surprised at what you qualify for and how much money you will be able to save. Remember that the onus is on you. Your insurance company can not offer this information because it means less money for them. Therefore, you must be proactive and do their own investigation.