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Getting the best price for your car insurance policy typically means receiving discounts that help bring down the premium. Insurance companies, for the most part, try to match up discounts to the information you give them. However, sometimes there are less known discounts you may need to ask about if you believe you qualify.

We're going to give you the information you need to get auto insurance discounts. First thing to know, you don't have to wait until your auto insurance policy is up for renewal to ask about discounts. Be your own advocate by reviewing this page to understand what discounts are available now and ask your current insurer about discounts you think you should be offered.

Also, use resources on our site to compare auto insurance quotes online. By shopping around for rates and discounts as well, you'll determine the most affordable car insurance available to you.

If you discover you can get better rates and discounts elsewhere, move your policy to another auto insurance carrier right away to start saving. Where do discounts come in? It's pretty simple, insurers observe that drivers with certain characteristics tend to have fewer accidents and file fewer claims. Insurance companies reward customers possessing those characteristics. Suppose you work from home and drive very little, and your insurer has determined that those who drive less have accidents at half the rate of other drivers.

In that case, your expected cost to the insurer drops, so it can charge you less for coverage. That's the basic reasoning behind auto insurance discounts.

In addition, states may require insurers to offer certain discounts to encourage good driver behavior -- such as taking defensive driving courses. Understand how car insurance rates are calculated. Risk factors are carefully reviewed when determining auto insurance premiums.

Being a great driver, operating a vehicle with the best safety features, and having a child with impressive grades can all help you save money. The following 25 common auto insurance discounts may be available to you; be sure to ask an agent about these opportunities to save. Note that car insurance discounts may vary by state, vehicle, driving record, credit history, and other factors.

Drivers with no "chargeable" accidents those that cost the insurer money during the past three to five years. Discounted rates often apply when drivers have unrelated policies for example, bundled home and auto, life, or health with the same insurance company. High school or college students under age 25 with at least a 3. For policies in-force more than one consecutive year.

May increase with each successive year. Usually applies to older vehicles s or earlier with factory-installed airbags. Usually state-mandated and apply to drivers over age Advertised discounts also don't necessarily apply to your entire insurance bill.

A discount might only apply to your personal medical coverage, which is a relatively small part of your policy. It's also possible that when you claim one discount, the insurer may reduce or eliminate others. Your savings may also depend on where you live. Here's are the states with the top average savings for different types of common discounts as well as the national average note: some states don't offer these discounts, so those states bring down the national average.

New drivers who take a driver training course can enjoy some savings. For experienced drivers, refresher courses or defensive driving training can give you a smaller discount, but every little bit can help. If your child is on your auto insurance, but goes away to school, you can save hundreds. Insurers offer this discount since the young driver won't be using your car much. If you start adding up all the auto discounts in which you qualify, you may think your insurer's going to pay you for the privilege of providing coverage for your car or truck.

Sadly, it doesn't quite work that way. But there's no doubt that the clever application of discounts can hugely reduce your premiums.

Insurers are enterprises, and they aren't going to hand over any of their profits to you unprompted. In other words, your premiums may be based on what your company thinks you're willing to pay, rather than the risk you present. So next time you get car insurance quotes or renew, first access the list of discounts and savings on this page, and run through the ones that might apply to you with the insurer's call center agent. Focus in particular on the ones providing the biggest savings, such "bundling" insuring your home, car and maybe other policies with the same insurer , and putting multiple vehicles on the same policy.

Others might save only a few bucks a year off your payments, but together they could represent serious savings. You may think loyalty to your insurer is buying you a great deal. But a survey by Consumer Reports reveals that nearly half of the insurers in Washington state gave Wooden Garage Doors Yorkshire 02 a zero discount to those who'd been loyal for 15 years. Loyalty discounts varied widely by company and state, so the only way you can be sure you're getting the best deal is to compare quotes whenever you renew or change insurer.

That's a point taken up by vice president of communications at the Insurance Information Institute Loretta Worters: "One important thing to keep in mind is that the key to savings is not necessarily getting discounts, but the final price. A company that offers few discounts may still have a lower overall price. Penny Gusner, Insurance.

Before comparison shopping, check whether you're eligible for special discounts because you're a member of a particular group. Some insurers may offer special rates for those serving in the military or veterans. Or you may save because your employer or union has a deal with an insurer or you're a member of a particular club. But that still doesn't automatically make them the best overall deal. Be cautious about spending money to obtain richer discounts.

But some expensive add-ons earn you very little. Take tracking devices. Of course, if you want these things anyway, go ahead. But don't think your resulting car insurance discount is necessarily going to contribute more than a tiny fraction of the cost. Some discounts are more worthwhile than others. So it's possible you could get all the benefits of what you learn while your insurer foots the entire bill. Managing customers' accounts represents a significant expense for insurance companies.

So they're happy to incentivize you to make the processes involved easier and less costly. Discount car insurance rates by just paying at the beginning of your term. Providing you're tech-savvy, these are ideal discounts because they cost you nothing. Well, nearly nothing: Paying the premium upfront will deny you some interest on your savings, but with yields the way they are you may find that discount among your best investments.

When you're comparing quotes for automobile insurance, it's easy to focus on the bottom line, and go for the lowest premium. But that's a dangerous strategy. And as senior vice president and managing director of Private Client Advisors at HUB International, she regularly sees how chasing those discounts without regard to other factors can lead to trouble.

And Clement warns, "Also, make sure that you carry good liability coverage, not the minimum state requirement. Many people are under-insured � not understanding that if you cause bodily injury or property damage to others that you are responsible for the damages, even if they exceed your insurance policy limits.

Worters raises other non-cost issues: "It doesn't matter how good a 'deal' you get if service is sub-par," she says. The best way to check out a company's service is by checking with friends and family members to see what kind of service they've had with their insurers.

Comparison shopping for insurance and financial products can be daunting, but there are ways to simplify the process:. Even with multiple quotes, this process can often be achieved in an hour or two.

But, potentially, the saving you might achieve could see those your highest-earning hours of the year. The table below lists potential car insurance discounts and provides examples of insurance companies that offer each savings opportunity. Do your homework and shop online to compare auto insurance quotes and find the cheapest auto insurance that provides the coverage you need. See how much YOU can save. Valid Zipcode Required. I am married. I own my home.

I have multiple vehicles Check this box if you have multiple vehicles in your family. Disability Insurance. Long Term Care. Small Business.

Want to bundle home and auto insurance for potential discounts? Commercial Auto. Let's start saving! I am a homeowner. I am currently insured. A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR Number of vehicles -.

Auto insurance discounts to ask for: Complete guide for By Michelle Megna Posted : March 12, Discount Eligibility Typical amount Category Accident-free Drivers with no "chargeable" accidents those that cost the insurer money during the past three to five years.

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