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How to take advantage of car insurance discounts

Car insurance discounts

Nothing is more American than apple pie -- and discounts. We shop for discounts online and at the department store; we drive 10 miles to save five cents on a gallon of gas. So, why not look around for discounts on car insurance?

There are plenty of insurance discounts to be had; you just have to know where to find them. A recent survey conducted by Princeton Survey Research Associates International, commissioned by, found that just 16 percent of Americans have asked their car insurance provider for common discounts. Discounts must be self-reported, so don't be shy -- ask your insurance provider about the potential deductions listed below. Even if you are currently taking advantage of some of these discounts, if you see another that might apply, reach out and save some cash!


  • Multicar discount -- If you insure all of your cars through the same provider, you may qualify for a discount on your car insurance.
  • Low annual mileage discount -- Someone who drives 5,000 miles annually pays an average of 8 percent less than someone who drives 15,000 miles each year. So, if you have a vehicle you don't drive much, let your insurance company know. This is a great discount to keep in mind if you change jobs. A shorter commute could also mean a lower premium.
  • Good student discount -- Whether you're a student or a parent, discounts for good (emphasis on the good) students can be had. This is great considering younger drivers often cost more to insure.
  • Driver's education discount -- This discount falls somewhere between the good student discount and the defensive driving discount. Young drivers who complete driver's education from an approved course are eligible to receive a discounted rate with some providers.
  • Defensive driving discount -- Sure, you'll have to sit through an approved driver safety course, but it can save you big bucks in the end. If you need to attend one of these courses to have points removed from your license, remember to also notify your insurance provider once you finish the class.
  • Antitheft discount -- Outfitting your car with an antitheft device can save money and protect your vehicle at the same time. Many new cars come with an alarm system at minimum and may even have a more robust antitheft package, such as a GPS tracking device or a LoJack service (an aftermarket vehicle tracking system). If your new ride has any of these features, be sure to tell your insurance agent.
  • Multiple policies -- If you bundle your car insurance with other insurance policies, such as renters insurance, you can save.
  • Safe driver -- Avoiding tickets and the sound of crunching sheet metal not only saves you money on fines and bodywork, it can lower your insurance rate over time or even put cash straight in your pocket with certain programs.
  • Military -- Members of the armed forces earn a well-deserved discount on car insurance policies. These discounts are typically offered to active duty and retired personnel as well as members of the National Guard or National Reserves. In some cases, the discount even extends to immediate family members.

These are just some of the common discounts available to insurance customers. If you're interested in saving money (and who isn't?) call your insurance provider right away and ask them how much you can save. Individual insurance providers might have even more discounts available!

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