Posts Tagged ‘low cost auto insurance’

Are You Finding It Difficult To Get Discount Auto Insurance

Monday, November 2nd, 2009

There are many companies that offer discount auto insurance on all types of car policies. Did you know you will automatically get a discount if you have never been in an accident or received a ticket in the last 3 to 5 years. You can also get additional discounts if you already have more than one policy with your insurance company as multiple policies are automatically discounted. Multiple vehicle discounts are also available if you insure more than one car on a policy.

There are other ideas or ways that can get you Discount Car Insurance that many individuals may not be aware of. The type of college degree you have can lower your vehicle insurance as it was found that people with a bachelor’s degree in engineering have fewer risks then other individuals. 21st century group also known as AIG Direct offers additional discounts on your auto insurance if you have a degree in mechanical engineering, mathematics, biochemistry and other engineering and scientific fields. Scientists and engineers with no accidents or tickets can save 10 to 30 percent from the base rate.

Other occupations are also associated with lower risk and this includes people who are teachers and farmers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should get Free Online Insurance Quotes from these companies if you are an educator as you are entitled to an additional discount on you auto insurance. Some insurers may only give discounts if you are a college professor or certified in a specific state, but it is worth find out.

If you were in the military or are currently in the military then you can save between 2 to 15 percent. This military discount does apply to specific states. A military discount on automobile insurance is offered through Geico along with others. Geico can also drop your coverage to only comprehensive if you are suddenly overseas. If you receive hostile-fire pay then Geico will decrease your bill when you are abroad by an additional 25%.

AARP members can also lower there rates up to 45% on their car insurance through Hartford’s AARP Automobile Insurance Program. They offer specific discounts on multi-policies and multi car policies and additional discounts if you have held insurance with them for longer then five years. Basically the longer you are with the company the more discounts you will receive.

You may also get a 10% discount from MetLife if you complete an online course from the National Safety Council. All the courses offered can be taken on the web or you can order the course in a kit. All of the courses are based on the NSC’s defensive driving. Taking part in a defensive driving course is a terrific way to lower your insurance points, particularly if you have received a lot of tickets or been in an accident.

The easiest way to get the best rates on your car insurance is to compare insurance quotes from multiple providers. After your receive your quotes back, have all of your questions ready and spend the time calling up the auto insurers. They don’t apply all the discounts but they are there and all you have to do is ask to see if it applies to your policy and circumstances. By following these two steps you will ensure you receive the lowest rate possible for you.

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