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Discounts that Yield Cheap Car Insurance

In today's uncertain economic climate, it is important for the average consumer to stem the flow of unnecessary monetary leakage. One of the most effective ways a vehicle owner can make sure that he or she is saving money is by investigating the different ways he or she can reduce his or her car insurance rates. Here are several methods for finding cheap car insurance that you may find useful.

Research work-related discounts. If you work in a profession that doesn't require a great deal of driving, you might be eligible for an occupational discount. Many insurers offer what are known as "preferred occupation" rates, where certain professions such as teachers, doctors, firefighters and engineers. Other insurance companies provide discounts to clients who are employed by subsidiaries of their corporations. If you work from home and don't drive particularly often, you can also look into rate reductions for your low mileage.

Research fraternity/sorority discounts. Students who are members of eligible fraternities or sororities may be eligible for cheap car insurance from some auto insurance providers. Also, if you are the member of a professional organization, such as a state bar association or an accounting association, you might qualify for insurance savings through your insurance company's affiliate program.

Research policy renewals early. If you switch insurance companies before the payment of your next premium, certain companies offer a discount of up to 10 percent. Additionally, if you contact your current insurance company and notify them of your plan to switch in pursuit of a lower rate, they may match the discount, if you are in good standing with the provider.

Research security and anti-theft discounts. Installing devices that protect your car from theft could reduce your premiums. Additional features such as fuel and ignition cutoff switches and tracking systems can make you eligible for discounts of up to 10 percent from certain auto insurers. Even if you don't install supplementary security features, the air bags, car alarm and anti-lock braking systems can discount your rates.

Research academic excellence discounts. Full time, single students under the age of 25 who maintain high grade point averages are eligible for discounts of up to 25 percent from some providers. It is thought that people who excel in school are at a lower risk for accidents—if only because they are studying too hard to drive often!

Research drivers' education discounts. Drivers who take safety and defensive driving courses are eligible for discounts. Older drivers who are interested in taking such a course can find the appropriate classes offered by the American Association of Retired Persons.

Research couple discounts. Because it is believed by most insurers that married people are safer drivers than singles, there are often significant premium reductions for married couples. Even unmarried couples who insure their vehicles jointly could be eligible for a multi-car rate reduction.

Research eco-friendly discounts. Many insurance companies take advantage of consumers' increasing environmental consciousness by offering discounts to drivers of hybrid cars. There are even cheap car insurance rates for consumers who go paperless and receive all of their statements electronically. Even if you merely reduce your mileage, you could be eligible for significant savings.

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Car Discounts