I Have 99 Problems But Car Insurance Isn't One Of Them How To Get More Discounts - Simple And Fast!
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I Have 99 Problems But Car Insurance Isn\'t One Of Them How To Get More Discounts  -  Simple And Fast!

The biggest "pain in the neck" for most car owners, besides car repairs, is the high car insurance costs that will burn a hole in their pockets. And like any neck pain, they've done almost everything to ease the hurt...does it work?

Well .......I believe by reading this article, your car insurance problems are about over.

I have with me some information that will get you very low car insurance rates without breaking any state or federal law. But first, I will like to share with you some important and little known information on car insurance discounts.

Only a few states that mandate car insurance discounts at all and if you wait for the car insurance companies to hand you a couple of nice discounts, you will be very disappointed. It's all up to you, to ask for and get the discounts from the car insurance companies.

Getting a couple of car insurance discounts are not complicated at all and they are found in three distinct categories : your vehicle, your lifestyle and your finances. See which discounts in each categories apply to you, then ask if you get any of these discounts when you renew your existing coverage or if you are applying for new car insurance coverage.

Your Vehicle

If you have safety features in your vehicle, having them can entitle you to a discount. If your vehicle have ABS system and air bags, you can ask for a 8% discount for Personal Injury Protection and Medical Payments coverage from the car insurance companies. And if you have side air bags for the front and back passengers, you can expect up to 9% more discount from the companies.

Have anti-theft devices installed on your vehicle ? Great! You can get discounts anywhere between 15%-20% for installing a good burglar alarm. If you have a tracking unit/theft recovery unit inside your car, you get up to 25% discount for having these systems there.

Your Lifestyle

Many people do not know their lifestyle can qualify them to a discount. By the way, are you married ? Many insurance companies offer discounts to married couples.

Do you have an advanced degree like MBA ? Advanced degree holders means less risk to car insurance companies. That equal to a discount.

Have you attended a safety driving course or defensive driving program conducted by a state approved institution ? People who attend such programs are less risk so if you have, check this out with the car insurance companies for a discount!

Your Financial

Choosing a yearly policy instead of bi-annual or monthly policy can qualify you to a discount. If you own a few cars, you might want to put them together in one policy as many car insurance companies offer multiple car discounts. And if you have a high credit score, many insurance companies will offer a discount for someone who have a good credit status.

Conclusion

Unfortunately, that is how most car insurance companies handle the discount discussion - they tell you very little about the discounts you or your vehicle might qualify for. Not having enough information means overpaying for a policy and leaving a lot of money on the table for the companies to pick up.That is why knowing what to look for is the key to getting a good discount for car insurance.


Street Talk

Hello Cynthia ......long time no see ......yup always ask, ask and you will get @!

Reply
  about 8 years ago

thanks!

Reply
  about 8 years ago

You're welcome!

  
  about 8 years ago

Thanks for your car insurance insights! I have lots of discounts on mine but did not know my advanced degrees might give me another discount... good time to call my agent... I guess for all of us... to ask about additional discounts.Thanks,Eugene.

Reply
  about 8 years ago
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