Whether you love your ride or just the places it takes you, cars are expensive, and they need to be protected. But your car insurance doesn’t need to cost a trunk load, you’ve got countless fuel-ups and tune-ups to worry about. And discounts are out there. In fact, you may already be getting them—but wouldn’t you love s’more?
Everything from your job to your kid’s rock-star grades could qualify you for big savings on your premiums. And our independent insurance agents can help you find the deep discounts so you can spend less on your bills and more on the good things in life. But first, let’s chat about car insurance discounts. So, buckle up.
Simply put, car insurance discounts are a nice little way to lower your premiums. But most insurance discounts don’t work quite like those coupons you love. They’re more like a giant secret formula that the insurance company uses to calculate how likely you are to get into an accident. The less likely an accident is, the less you’ll pay.
It’s important to remember that not all discounts will be spelled out in your policy, even if they’re still saving you money. For example, you’ll know if you’re getting a military or veterans’discount, but you might not realize you’re getting a marriage discount, too. It’s all part of that special formula.
There are nearly as many car insurance discounts available as there are runaway french fries under your driver’s seat—lots. And they can all be divided into four major types, so let’s talk about how they work:
More often than not, it’s pretty easy. Sometimes, however, you may have to begin with less-than-ideal discounts, but over time you can qualify for more. The best way to get car insurance discounts is to have a clean driving record, but don’t worry if you're a speed racer, it’s not the only way.
If your record is spotty, shoot for the bundling and group discounts first and maybe some age and loyalty discounts down the road. In the meantime, focus on keeping your nose clean and those good driver discounts might not be so elusive, after all.
Chances are you’ll get a few discounts automatically whether you ask for them or not. Many of these discounts aren’t explicitly spelled out in your policy and are based on things you can’t always control, like your location or commuting habits.
If you want to go beyond the automatic stuff, though, you can maximize your potential discounts by following these easy bargain-hunting steps:
Well, now you know how discounts work. But we all know how valuable your time is, so why do the hard work yourself? Our independent insurance agents stay on top of the industry and all the latest discounts so you don’t have to. That means they’ll help find the right coverage at the right price for you.
They’re not just there in the beginning, either. If you get in a jam and need to make a claim, they’ll help you meet deadlines and ensure you’re getting all the benefits you’re entitled to. How sweet is that?