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Discount Car Insurance

  Discounts on car insurance rates You may qualify for

In Your quest for cheap auto insurance, there are numerous discounts that You should inquire about when comparison shopping. Most insurers offer lower car insurance rates, but not every driver qualifies for them. Following discounts may be available by different insurers in different states:

1. $500 or $1000 Deductible

Increasing Your deductible from $200 to $500 or $1000 may reduce your comprehensive or collision coverage 15% to 45%. (I'm sure You already checked our tips on getting affordable auto insurance).

2. Accident-free

Safe driver discount is given by all insurance companies, usually if driver has no chargeable accidents or speeding tickets and fines for traffic law violations during a three-year-period. It's highly recomended to check the ammount of this discount with the insurer.
Electric Insurance gives best rates for safe drivers. Check their car insurance rate free
If Your driving record is not so good, You might try NetQuote discount car insurance rates

3. Air Bags and Automatic Seat Belts

Insurance companies may give discounts up to 30% off Med-Pay and Personal Injury Protection coverages if safety features are installed.

4. Anti-Theft Devices and Burglar Alarm

5% discount off Comprehensive insurance. Some companies may reduce more if alarm is automatic.

5. Anti-Lock Brakes (ABS)

May give You 5% or more off Standard Liability coverage.

6. Auto and Homeowner

If Your home and auto insurance are purchased with the same company, discount may go up to 20%. Check free insurance rate at ForInsurance.

7. Daytime Running Lights

Some companies may give 5% off collision coverage if automatic daytime lights installed.

8. Driver Training Courses and Defensive Driving Courses

Usually given to drivers under 25 and above 55 who complete a state approved drivers education classes. This discount goes up to 10% off all types of insurance.

9. Elderly-Retired

Given to drivers age 50 or older, usually around 15% off bodily injury and property damage liability, medical payments, comprehensive and collision coverages. Best rates on this discount can be found at AARP Auto Insurance, with full car replacement quarantee and lifetime repair warrantee.

10. Multiple Vehicles

2 or more cars used by residents of the same houshold insured with the same company. This discount varies from 5% to 25%, check multiple auto insurance quotes for free at InsureMe.

11. Student Discount

College students away from home and students with good grades qualify for a discount (usually given to drivers under 25) that reduces bodily injury and property damage liability, medical payments, comprehensive and collision coverage up to 20% off.

Online free insurance quote services:

- Discount auto insurance rates at InsureMe.
- Discount auto insurance at 21st Century Auto Insurance.
- Auto insurance Canada at Kanetix, for Canada residents.
- NetQuote Discount car insurance
- Discount car insurance quote at 4Insurance .
- Muliple auto insurance quotes available nationwide, at
- Discount car insurance rates from InsWeb.

Now that You are familiar with discount auto insrance tips that may save You big money, start inquiring and shopping around. Use free car insurance quote online services to get as many quotes from different insurers.
Some of them will give You discount rates automatically, some You'll have to ask for it. Sometimes the final price may be lower even if there are fewer discounts, so we recomend (again) to check all sources.

Don't forget to ask insures for every single type of discount available, and which ones You qualify for, that is a way to get cheap auto insurance. Different companies often offer additional discounts not listed here.

If You need more information, call the National Insurance Consumer Helpline (NICH) at


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