| Locating Discount Auto Insurance Is Easy |
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| Written by Joseph Welusz |
| Sunday, 29 March 2009 15:44 |
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There are many different types of discount auto insurance. Some discounts are known by almost everyone but there are some additional discounts that may apply to you that are not widely known. Individuals that have clean driving record for the past 3 to 5 years in which they have not been in an accident or received a ticket receive discounts. If you have multiple policies with the same company or have insured more then one car with that company then you will normally get additional discounts.
There are many different types of discount auto insurance. Some discounts are known by almost everyone but there are some additional discounts that may apply to you that are not widely known. Individuals that have clean driving record for the past 3 to 5 years in which they have not been in an accident or received a ticket receive discounts. If you have multiple policies with the same company or have insured more then one car with that company then you will normally get additional discounts. Besides these general and well known discounts there are other discounts that may apply to you. It has been found that individuals with a college degree particularly in engineering of the sciences can receive lower auto insurance rates. Individuals with these types of degrees have less risk then other degrees. If you have a degree in biochemistry, engineering and other related fields then you can get an additional discount when purchasing a policy form the 21st Century Group. Generally about 10 to 30 percent can be saved as long as you have a good driving record. Other industries are associated with lower risks and this includes teachers and farmers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should check with your company if you are an educator as you may be entitled to an additional discount on you auto insurance. Some insurance companies may only give discounts if you are a college professor or certified in a specific state, but it is worth a shot to check. Geico offers a special military auto insurance discount for active and non-active members. A military member can save between 2 to 15 percents through Geico. Geico offers a special discount if you have a stored vehicle and are receiving hostile-fire pay. They also will drop your coverage to the minimum if you are sent over seas and put your vehicle in storage. Geico is very proud of supporting the military. If you are a member of AARP then you can get additional discounts through Hartford AARP Auto Insurance Program. They offer the standard discounts on multi-vehicle and multi-polices but also have discounts if you have been a customer for many years with them. In essence the longer you do business with AARP the more discounts you receive. It is also possible to get a 10% discount from MetLife is they complete an online course from the National Safety Council. The courses offered can all be taken online or you can order the course in a kit. All of the courses are based on the NSC's defensive driving course. Participating in a defensive driving course is a great way tot drop points from your insurance, particularly if you have received many tickets or been in an accident. If you think you may be entitled to more discounts or are simply unsure of any additional discounts you should speak to an insurance agent. These additional discounts can greatly affect your insurance premium and taking some extra time investigating different policies can save you quite a bit of money. Make sure you have all of your questions written out and the answers that are provided by each company. You can then determine which company provides you with the best coverage and discounts. DISCLAIMER: This article is provided as information only and is not to be taken as financial advice. If you liked this article you might like Joe's site QuoteMatcher.com where you findDiscount Auto Insurance tips to help you save money when it's time to get Free Insurance Quotes. By following either link back to Joe's site you'll save money on your car insurance by comparing multiple insurance quotes from local agents and national companies |