Top carriers in your state include:
Driver discounts are based on a driver’s characteristics. Basically, insurers consider who is being insured, what their driving history looks like, how far and how often they drive, who they work for, other insurance policies they carry, and how they plan to pay. Here are the seven categories of driver discounts:
Savings from driver discounts typically range from 1% to 40% off‡.
Keep in mind that if you happen to live in a zip code where the number of accidents has fallen, you should be eligible for a lower rate anyway, which makes quote comparisons well worth your time. If that is not the case, however, but if you are age 55 or older, own a home, hold a certain occupation (including teacher, firefighter, working for law enforcement or for the government), or are a student, then you will very likely qualify for one or more of the below demographics-based discounts:
One of the best ways to save money on your auto insurance rates is to qualify for safe driver discounts. While major insurance providers may differ in how they define a safe driver, you can usually qualify if you have not had an accident or a traffic violation in the past three years:
Those who complete a safe or defensive driving course may also be eligible for discounts. Taking such courses is especially valuable if you have tickets, accidents, or a DUI on record:
People who drive 20 or fewer miles per day could be eligible for a low usage or low mileage discount. Some carriers, known as “pay-per-mile” insurers may only charge you when you are actively using your car:
Combined with a homeowner discount, you could save a lot more if you bundle your auto policy with another one, typically home or life insurance:
These types of discounts vary significantly by carrier. Some favor certain affiliations over others, such as being more geared towards military members, while others are more club, union, or employer centric.
Here is how much you can save:
When buying a policy, be sure to get a discount if you are paying up front or signing up for auto pay and/or paperless billing. Some carriers will offer these when you look to cancel as an incentive to keep you, but most should be giving you these discounts out the gate -- you just might have to ask.
Cheapest-Auto-Insurance.com will get you the lowest rates. With our leading technology and direct relationships, we show you the top companies offering the best driver discounts for people just like you at this very moment. Enter your zip code to begin comparing and saving!