11 discounts that can lower your car insurance premiums:
risingly few people ever think to actually ask their auto insurance company whether they qualify for one of those discounts.found most Americans do not ask for car insurance discounts for getting married , getting good grades or completing a defensive driving course . Yet these and other discounts can save you hundreds of dollars a year through reduced premiums–if you know enough to ask.
Although nearly half of the employees surveyed want auto insurance included in their benefits package, even if you have such a benefit, it still pays to shop around. After all, while your employer may promote an insurer’s group rate offer as a discount and even allow you to have payments automatically deducted from your salary, it isn’t paying a portion of your premium as it usually does for your health insurance.
If you don’t have a good driving record, you may be able to take a defensive driving or basic driver training course to get a premium reduction .provides discounts of up to 8% for completing such a course, but discounts vary from state to state. , has programs in 12 states including New York, Illinois and Texas. If you decide on an online course, make sure your state has certified or approved it.Drivers who are under the age of 26 and still in school may be eligible for “good student” discounts. Some insurers require you to have and maintain a certain grade point average to qualify for the discount. For example,to students enrolled in high school or college who maintain a B average or better.
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