Discounts for car insurance

You can save on car insurance policy by getting discounts from car insurance companies. Car insurance companies provide various types of discounts for car insurance policies to their customers. Following are the main types of discounts for car insurance:

Advance purchase discount for car insurance

Advance purchase discount is provided to those customers who purchase a new car insurance policy 7–8 days before the next premiums is due to the current car insurer.

Affinity discount for car insurance

Affinity discounts are provided to those professions who require less driving. These discounts are provided to some pre-selected professionals such as firefighters, police officers, teachers, doctors, dentists, registered nurses, engineers, and scientists.

Annual mileage discount for car insurance

Car insurance companies also provide discounts for low mileage drivers. These discounts are available for those drivers who drive less than 7500 miles in a year. Drivers who drive less than annual average are less risky for car insurance companies.

Anti-theft discount for car insurance

Car insurance companies provide anti-theft discounts for drivers who drive cars with anti-theft devices. Discounts are different for different anti-theft devices.

Driving class discount for car insurance

Defensive driving course discounts are provided by car insurance companies to those drivers who complete defensive driving courses. Defensive driving courses help the drivers to improve their driving skills. These courses are beneficial for young drivers.

Online payment discount for car insurance

Some car insurance companies offer online payment discounts to their customers. These discounts are provided to those customers who pay the car insurance premiums by online method. It reduces unnecessary paperwork and saves time.

Good driver discounts for car insurance

Car insurance discounts are also provided to drivers with a good driving record. Drivers with a clean driving record are less risky for car insurance companies so they offer discounts on car insurance policies. Good driver discounts also encourage drivers to maintain a good driving history and improve their driving skills. Car insurance rates are skyrocketed for those drivers who have violations or accidents in their driving history.

Good student discount for car insurance

Car insurance companies offer good student discounts for those who have at least B grade in high school or college. Car insurance companies consider students with good grades are less risky.

Green vehicle discount for car insurance

Green vehicle discount is available for the drivers who drive eco-friendly vehicles. Car insurance companies provide discounts to the drivers that drive alternative-fuel vehicles.

Homeowner discount for car insurance

Car insurance companies consider homeowners less risky and they are likely to file fewer insurance claims. So homeowner discounts are provided on car insurance policies to those drivers who own a home.

Multi-policy discount for car insurance

Multi-policy discounts provided to those customers who purchase different types of insurance policies from the same insurance company. If you purchase home insurance, life insurance, car insurance, etc. from the same insurance company then you can save on the cost of different insurance policies.

Multi-vehicle discount for car insurance

A multi-vehicle discount is provided to those customers who want to cover the two or more vehicles on the same car insurance policy. These discounts are for those who have more than one vehicle.

New vehicle discount for car insurance

A new vehicle discount is provided by some car insurance companies to those who want to ensure their new car. Car insurance companies may provide 10–25% car insurance discounts for less than a 3-year-old vehicle.

Passive restraint discount for car insurance

Car insurance companies provide passive restraint discounts to those drivers who drive vehicles with safety features. These types of discounts are provided to vehicles with anti-lock features and daytime running lights etc.

Pay-in-full discounts for car insurance

Car insurance companies provide pay-in-full discounts to those customers who pay premiums for the whole year rather than monthly or half-yearly.

Distant student discount for car insurance

Car insurance companies provide discounts on car insurance policies to those students who travel a distance of 100 miles or more to attend schools without using a personal vehicle.

Telematics discount for car insurance

Car insurance companies provide discounts to those drivers on car insurance policy who drive cars with telematics devices. Telematics devices help to improve the driving skills and assess the driving behavior of the drivers.

Other types of discounts for car insurance

Car insurance companies also provide some other types of discounts for car insurance policies.

1. No claim bonus or discount
2. Military discount for car insurance
3. Customer loyalty discount for car insurance
4. Senior citizen discount for car insurance.

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