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How to Save on Automobile Insurance

There are a number of easy ways to save money with automobile insurance. Your current insurance carrier may have pointed out some of the discounts that could benefit you but in the end it is up to you to be aware of your options and to ask what they have available and what you qualify for.

Insurance rates are based on a number of factors but the number of ways you can decrease your rates are also numerous. The programs are outlined below. Be aware that not all insurers offer these discounts or rebates and some states’ laws prohibit them from being applied. Everything is mentioned because of 2 main reasons – knowledge is power and it doesn’t hurt to ask the insurance provider.

Occupational Discount

Insurance companies pay attention to which occupations tend to mean less driving and less risk-taking as this translates into fewer accidents. If you’re in one of those professions, you could enjoy savings. Some of the qualifying occupations are police officers, firefighters, doctors, dentists, registered nurses, teachers, engineers and scientists.

If you are a current or former member of the armed forces, or are a college student taking part in a commissioning program such as ROTC, you might be eligible for certain savings. For insurers that cater specifically to the military there are additional factors which may help to lower premiums such as your rank, whether or not your vehicle is parked in a base garage and if your automobile is stored during deployment or while otherwise away from home.

Additionally, some employee car insurance discounts stem from the business relationships your insurer maintains with other companies. Being an employee of one of these companies could translate into savings for you.

Generally it’s a good idea to check with all the organizations to which you belong and find out what discounts (if any) they have arranged and with what companies. Hauser Insurance

Credit Score

Checked your credit score lately? The vast majority of insurance companies take credit scores into account these days, and a high one could help cut your auto premiums by as much as half, The specific scores which trigger discounts are a closely kept secret but industry sources say that someone with a score above 700 will be more eligible for lower premiums than someone with a score in the 500s.

Affiliations

Insurance carriers sometimes offer discounts because of their sponsorship relationships. The relationship could be with a sorority or fraternity, a trade association or a university, to name a few. Whether you are a student or an alumni you may be eligible for a discount.

Going Green

It is a common practice these days for companies to offer the option to go green by opting to reduce paper statements. What may not be commonly known is that your insurer may reward you with a rebate for choosing this option.

 

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