You have to buy auto insurance, and you want to save money. This mean you’re going to need to get a few auto insurance discounts. Just about everyone can qualify for at least one car insurance discount, so make sure you’re reading the fine print and find the discounts that work for you. If you want help, you can always as your insurance agent to hunt down the best discounts for your car insurance policy.
Of course, you’ll still need to be a safe driver and avoid accidents and all that stuff. This also means keeping out of range of police radar guns. Tickets increase rates! No, really, slow down.
Understanding what auto insurance discounts are available is a good starting point. You can also compare auto insurance online as a way to find additional savings.
Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (belonging to a spouse, family member, or roommate), as long as it’s kept primarily at your address.
You can save money when you have two or more policies with the same insurance company. For example, if you have auto and home insurance with one company, you can earn a discount both of those policies. In some instances, if you can also bundle other policies, like motorcycle, RV or umbrella you can get even more savings. See more on bundling insurance.
When you switch your insurance company, we may be able to honor the time you spent insured with your prior insurance company with a discount. The amount savings, or discount offered, will vary based on how long you were continuously insured.
Most insurance companies now have usage-based auto insurance programs. These programs personalize your auto insurance premium based on your actual driving behavior. This is a novel idea. The safer you drive, the more you can save. Learn more about usage-based auto insurance.
When you add your teen driver to your car insurance policy it can increase the price — some insurance companies allow you to offset the cost a bit with a teen driver discount when the teen is 18-years or younger. Learn more about car insurance for teens.
Got a smart student in the house? You can turn that smart student into a smart auto insurance choice. If you add a full-time student to your car insurance policy who has a “B” average or better, and you can likely earn a discount.
If you have a full-time student on your policy who is 22 years of age or younger and lives more than 100 miles from your home, you’ll receive a discount — as long as the student doesn’t have a vehicle while at school.
Sometimes you can’t bundle your car and home insurance. In these instances, you’ll get another discount simply for being a homeowner.
This is an easy discount for anyone to earn. As long as you don’t object to signing your documents online, within the insurance carriers systems, you may be able to earn extra savings on your auto insurance.
Some insurance carriers will provide discounts when you opt to receive your documents electronically. Typically, these types of discounts are provided in conjunction with signing your policy documents electronically.
If you are willing to pay the entire premium up-front, some insurance companies will provide you a discount. Beyond the premium savings, you can often avoid paying monthly billing fees as well.
If the paying the premium in full when you purchase is the right option for you, you still have way to save based on you pay plan selection. You can earn a discount if you elect to pay your monthly installments using automatic, electronic payments from a checking account, credit card, or debit card. Frequently, this will also provide lower installment fees or eliminate them altogether.
A simple way to save money is to compare the rates and select the best option. You can do this online using our comparison quote tool, or discuss your auto insurance with an independent insurance agent. Either way, you can see the rates of several A+ rated insurance carriers first and compare it against competitors and your current policy. See more on comparing auto insurance rates.
Drivers without tickets and accidents save an average of 31% on their auto insurance premiums compared to those with these infractions.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.