Posts Tagged ‘Auto Insurance Discounts’
I passed this course in the middle of 2007 and got this certificate, but i can’t use it as one of discount factors when i am gonna to buy an auto insurance. The licensed auto insurance agents told me that Defensive Driving Course Certificate can’t be used to get more auto insurance discounts for Texas? Why? It’s so weird. So, why Texans need to take that course besides for a court when i got a speeding ticket?
You can’t use it to get a discount if you used it to dismiss a ticket. And maybe your company just doesn’t offer that discount. Not all companies do, so shop around. Texans only need to take the class if they are ordered by a judge to not have a ticket go on their record.
I also find it strange that you are able to shop for rates online. Typically you can put in your information, but they cannot quote rates online for the state of Texas yet. It has to come from a representative of the company who is licensed.
Auto insurance rates are high enough, there’s no sense in paying more for your premiums than you have to. Most of the nation’s top insurance companies offer a multitude of discounts for customers. The trick is letting your agent know when you qualify. Used in combination, many of these discount programs can be used to cut your annual premiums from one-third to as much as half the original cost.
Here are just a few of the most common discounts offered by more than 300 auto insurers today:
Multiple Vehicle Discount. This rate-cut is offered to consumers insuring more than one vehicle. This applies to cars, trucks, motorcycles, RV’s, trailers and some boats. See your agent for details.
Multiple Driver Discount. Insurers realize that two people can’t drive the same car at the same time, so they often offer multi-driver discounts to allow customers with more than one car per driver in the household to only pay for the cars being driven, and the drivers in them.
Multi-Policy Discount. This is a great way to save on all of your insurance needs. Choose a company that discounts more than one policy, then combine your homeowners’ auto, disability, life and even health insurance into one insurance portfolio. Some companies will also count financial savings plans such as 401K’s Roth IRA’s, money markets savings plans and college funds as additional policies to ensure the discount.
Low Mileage Discount. The less your car is on the road, the less chance it has of being involved in an accident. If you commute locally, or have a second car that is rarely used, let your insurance agent know. The lower the mileage, the lower the insurance premium.
New Vehicle Safety Discount. Offered to owners of new vehicles that contain certain types of safety features such as side passenger airbags, etc.
Anti-Theft Device Discount. Be sure to let the insurance agent know if you have any type of anti-theft device in your car. It too is eligible for a special discount.
Good Student Discount. Student rates can be quite high, especially for male drivers. But, some insurers are now recognizing that honor students may be more careful drivers, and are now rewarding good grades with cheaper premium rates. This may apply to both high school and college drivers.
Accident Free Discount. Almost every major insurer these days offer deep discounts, depending on how long a driver has gone without being involved in an accident.
Defensive Driving Discount. Some insurance companies now reward drivers who attend special defensive driving workshops and seminars with either a one time, or ongoing rate cut.
As you can see, there are many discount options for drivers who take the time to look into their company’s policies and apply for the discounts available. While individually, they may not save you much, but used in combination, they can add up to a hefty rate savings.
Matthew Hick
http://www.articlesbase.com/non-fiction-articles/auto-insurance-discounts-common-reductions-177347.html
More and more people are discovering the benefits of shopping online. Here’s how to get free auto insurance quotes online and get cheap rates quickly and easily.
Where can I get free auto insurance quotes online?
There are a ton of websites that will give you free auto insurance quotes online. The bigger sites are operated by the larger companies and only give you their quotes. But because rates can vary by $1,000 or more from one company to the next, you need to go to a site that will give you quotes from a number of auto insurance companies.
Not only can you get multiple rate quotes from these sites, the better sites also have an articles section where you can get auto insurance tips, and a chat section where you can talk with an insurance expert online and get answers to your questions (see link below).
What auto insurance discounts can I get?
When you fill out the online questionnaire for an insurance comparison site you’ll be asked what discounts you want. Here’s a list of the discounts that will save you the most money:
1. Increase your deductible – Depending on how high you raise it this can save you 30% to 50% on your auto insurance premium.
2. Combine your insurance – Placing your auto and homeowners insurance with the same company will save you up to 15% on your premium.
3. Install security devices – Outfitting your car with a burglar alarm or other theft-prevention device can get you a good-sized discount.
4. Eliminate unneeded coverage – You may want to eliminate your comprehensive and collision coverage if your car is more than five years old, or if the cost of your annual premium is the same as the value of your car.
Bottom Line
It only takes a few minutes to get a free auto insurance quote online and you could save $500 to $1,000 every year you own your car. So why not head over to an insurance comparison site right now and find out how much you can save.
Visit http://www.LowerRateQuotes.com or click on the following link to get free auto insurance quotes online from top-rated companies in your area. You can get more car insurance tips by checking out their “Articles” section.
ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/free-auto-insurance-quotes-online-get-cheap-rates-in-minutes-127381.html