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Car Insurance Discounts Offered By Insurance Companies

The number of car insurance discounts offered by insurance companies can be quite overwhelming. However, do not jump joyfully. There are strict requirements for being eligible and not all companies offer all these discounts. This is why you must be really careful when picking a carrier. Check our website to find out the usual discounts. Also, when choosing a carrier, it is wise to compare prices, using car insurance free quotes.

Discounts are classified in several categories:

car insurance free quotesBundling discounts.  Having two or more policies or vehicles insured under the same carrier makes you eligible for a discount.

  • Multi-Car Discount: If you drive two or more cars or if your family owns multiple vehicles, you can qualify for a better rate if you include them in the same contract.
  • Home and Car Discount: Buy your home, renters or condo insurance from the company that provides your car insurance can get a discount on both policies
  • Car and Life Discount: This works just like the previous discounts.

Vehicle related discounts. Safer cars will get lower rates and installing safety devices will make you eligible for some discounts.

  • Alternative Fuel Discount: Hybrid, electric, ethanol, or flex-fuel vehicle are eligible.
  • Electronic Stability Control (ESC) Discount:
  • Anti-Lock Brake Discount: Vehicles that stop faster and more efficiently are safer and cheaper to insure
  • Anti-Theft Discount: They prevent car theft and help law enforcement officers recover stolen vehicles. This lowers your risk of filing a stolen car claim
  • Passive Restraint Discount: They prevent or reduce injuries and keep medical costs down.
  • Economy Car Discount: Economy cars cost less to repair, so their drivers often receive car insurance discounts
  • Utility Vehicle Discount.
  • Farm or Ranch Vehicle Discount: Vehicles used mostly for farming or ranching typically don’t get into accidents.

Driving and insurance history. It tells the company whether you are a good driver or not and if you made many claim recently.

  • Accident Free Discount: You can get it if you have an accident-free driving record for several years in a row.
  • Prior Insurance Discount: Renew your policy in advance.
  • Loyal Policyholder Discount: If you stick with one company for a long period of time, ask for a discount
  • Defensive Driving Course Discount: Granted for graduating approved courses.

 

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