Your car insurance rates are largely based upon your driving record, as well as other factors such as your age and you certainly can’t change your age!
Driver’s Education. If your household includes a teen driver, you know the pain of high car insurance premiums. But if they take (and pass) a driver’s education course, you can earn a discount on most policies.
Good Student discount. Speaking of teen drivers, if you’re paying car insurance premiums for a full-time student aged 16 to 24, tell them to keep those grades up! A B average or above can save you money.
Defensive Driving course. Even if you’re not a young driver, you could stand to brush up on your skills. In fact, enrolling in a defensive driving course can earn you a discount worth up to 15 percent off of your car insurance premiums!
Military discount. Many insurance providers offer their thanks to service members by discounting their car insurance premiums.
Multi-policy. Most insurance providers offer discounts to customers who carry more than one line of insurance with them. So, for example, you could request a rate quote for your car insurance, homeowner’s insurance, and get a lower rate on all of them.
Equipment discounts. If your vehicle includes safety features like daytime running lights, air bags, anti-lock brakes, or anti-theft alarms, your insurance will be cheaper. Keep this in mind when you’re shopping for a vehicle; a slightly more expensive one might be the better deal in the long run. Always compare car insurance rates when you’re comparing car prices.
Organizational discounts. If you’re a member of certain professional organizations, fraternities, sororities, alumni associations, and ask!