There are many different types of discount auto insurance. Some cost savings are known by most of us but there are some additional discounts that may apply to you that are not widely known. For example if you are a individual that has had a clean driving record for the past 3 to 5 years there is an extra discount for you. Meaning, you have not been in an accident or received a ticket during this time. If you have multiple policies with the same company or have insured more then one car with just one company then you will normally get an extra discount.
Besides these general and well known discounts there are other cost saving measures that you may qualify for. It has been found that drivers with a college degree particularly in engineering or in the sciences can receive lower auto insurance rates. Drivers 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 on your auto insurance if you purchase a policy form the 21st Century Group(AIG Direct). Generally about 10 to 30 percent can be saved as long as you have a good driving record.
Teachers and farmers are also thought as low risk customers and may qualify for discount auto insurance. Many automobile insurance companies will offer an additional automobile insurance discount if you are an educator. The amount you save with this discount will vary based on your certification and which state you teach in. You may need to be a full time college professor to qualify for the automobile insurance discount but you should check first with your insurance company.
Geico offers a distinctive military automobile insurance discount for active and non-active members. A military member can save between 2 to 15 percents through Geico. Geico offers a special reduced rate if you have a stored vehicle and are receiving hostile-fire pay. They also will lower your coverage to the minimum if you are sent over seas and put your vehicle in storage. After all Geico stands for Government Employees Insurance Company.
The age and longevity as a patron with Hartford AARP automobile insurance program will offer you even greater reduced prices. AARP members will receive larger discounts on multiple-policies and multiple-vehicle policies. If you have been insured with the company for more then 5 years you will receive additional discounts.
MetLife will lower your vehicle insurance price if you take and pass courses offered from the National Safety Council, particularly the defensive driving course. These courses can be taken online or you can order a complete course kit. If you have a lot of points because of accidents and tickets then taking a defensive driving course is a fantastic way to lower your insurance payments.
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. Tell them you want to compare rates and discount from multiple companies and don’t worry because they all offer free insurance quotes. 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 before hand to make sure you don’t forget anything. The you are ready to decide which company provides you with the best coverage and discounts for you.
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