You can exercise more control over the factors which determine commercial auto insurance rates than factors that influence rates of other types of insurances such as home insurance and life insurance. There are literally hundreds of insurance companies operating in your area and many of them offer great car insurance discounts as well. These discounts will enable you to save a lot of money on car insurance. These discounts are often less visible to a common person and are not restricted to multiple car insurances.
- Safe Driver Discounts
Some insurance providers offer car insurance discounts to drivers with clear records.Insurance company which normally determines how clean your driving record is. However, you cannot exactly define safe driving.It generally means avoiding accidents and collisions for which you can be held responsible. Similarly, you must not have history of violating laws such as driving under the influence, speeding and driving recklessly.
Safe driving will not only help you save lives of many but save a lot of money on car insurance as well. In this regard, you can contact any progressive insurance agent Houston TX to know whether his company offers discount for clean driving record or not.
2. Good Student Discounts
Some insurance organizations also give discounts to students enrolled at high schools, colleges and universities. Most companies require you to be under 25 years of age to be eligible for discount. Similarly, you have to have minimum of 3.0 grades for entire duration of your course. If you happen to be on the dean’s or honor’s list, you are a strong candidate for auto insurance discounts.
You also need a letter signed by your school administration or a transcript proving that you have required academic achievements. Students who are studying from home must present ACT or SAT scores or similar standardized tests scores. You need to have desired percentage in these results in order to qualify. Again, it is the insurance company that will determine what the minimum percentage should be in these tests.
3. Resident Students discounts
If you are attending college which is situated 100 miles away from your hometown, you might be eligible for resident student discount for car insurance. The catch is that you cannot drive the insured vehicle while at college or school. You are only allowed to drive the vehicle while you are at your home during vacations.
4. Driving Schools
Taking defensive driving course will augment your claims for auto insurance discounts. Similarly, some of the most expensive drivers to insure are teen drivers. However, defensive driving training can help you to dramatically lower these unavoidable costs. Some insurance providers give up to 10% discount to drivers who have passed defensive driving training or an accredited driver’s ed class test. Tickets can also increase the burden on your insurance but you can lower the burden by enrolling in a defensive driving course.
There are many online and commercial driving schools that provide defensive driving training about drug and alcohol impaired driving, traffic laws, inclement weather driving and other topics. Similarly, you can find more information about defensive driving courses from your local community centers and through you DMV.
You will get a completion certificate from the driving school once you complete your defensive training course. Insurance companies often verify this certificate to determine your eligibility for discount. Some companies also require you to renew your certification from time to time to continue receiving the discounts. For that purpose, you may have to retake the test as well. Again, you can consult with a progressive insurance agent Houston TX to get more information about these types of discounts.
Taking defensive driving courses will not only help you to become a better and responsible driver but will also help you save a lot of money on car insurance.
Other Discounts for Car Insurance:
- Many insurance companies offer discounts for both active duty and retired military personal.
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- If you are willing to automate your payment or pay your annual premium in advance, you may be eligible for auto insurance discounts.
Finally, you must ask the insurance companies under consideration to provide you with full lists of discounts. Some companies do not advertise all of the discounts they offer. You will have to dig deep in order to discover them. In this regard, some research will help you save considerable money on auto or car insurance.
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