How To Get Insurance For My Car

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From attractive student insurance and multi-policy discounts to safe driving savings, there are lots of ways to save on your car insurance premiums

How To Get Insurance For My Car

Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is a staff writer on the Guide team and has written for many automotive news sites and marketing companies in the US, UK, and Australia, specializing in car financing and car maintenance topics. Daniel is the team’s authority on auto insurance, loans, warranty options, car service and more. writer

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Editor: Rashawn Mitchner Editor: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guide team editor with more than 10 years of experience covering personal finance and insurance topics. senior editor

Taking advantage of car insurance discounts can be the difference between cheap car insurance and very expensive premiums. Fortunately, leading insurance companies offer dozens of discounts based on driver history, affiliation, vehicle features and customer loyalty.

Our team of tour guides will explain to drivers the different types of car insurance discounts and how to lower your car insurance rates. Keep in mind that rates can vary between insurance companies, so it’s important to shop around and compare quotes from some of the best auto insurance companies.

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How To Find The Right Insurance For My Car

The Guide Team is committed to providing you with reliable information to help you make the best decisions regarding auto insurance. Because consumers rely on objective and accurate information, we created a comprehensive ranking system to develop a ranking of the best auto insurance companies. We collected data from dozens of auto insurance companies and rated them based on a variety of ranking factors. The final result, after 800 hours of research, was an overall ranking for each provider, with the insurance companies with the highest scores at the top of the list.

Although each car insurance company offers slightly different car insurance discount options, some are common in the industry. Most standard car insurance discounts fall into the following categories:

Most insurance companies will find a way to reward safe drivers. For those who maintain good driving habits, here are some common types of car insurance discounts:

If you stay accident-free for three to five years, you can get big discounts from many of the leading auto insurance companies. Requirements for premium driver discounts vary by provider, so be sure to ask your agent if you qualify.

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This type of discount is earned using a telematics program that tracks your driving habits via a mobile app or plug-in device. If you don’t stop, speed, and speed when you sign up for these programs, you can save up to 30% on policy renewals with some companies.

Completing a defensive driving course usually only takes a few hours but can save you 10 to 15 percent on your auto insurance. Before signing up for a driving course, make sure it is approved by your provider. Some companies offer this discount only to young and senior drivers.

If you only drive occasionally, you can save up to 20% on your car insurance premium. The average driver puts about 12,000 miles on the odometer annually. People who drive less than 7,500 miles per year usually get a discount. Some insurance companies require telematics equipment to verify mileage.

Driver profile is often as important as driving behavior when it comes to car insurance discounts. The following savings opportunities are based on the driver’s personal attributes:

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Almost every car insurance company offers some kind of good student discount. This is good for customers because insurance rates for drivers under 21 years of age are higher. Full-time students with a grade point average of at least a “B” generally receive an exceptional student discount of up to 25%.

There are also away-from-home discounts for students who leave their vehicles at home when the school is 100 miles or more from home. This might be called a distance student discount.

USAA specializes in insurance policies for active military, veterans and family members. Most other providers offer discounts of up to 15% for military members and veterans. Discounts vary for federal employees, and Geico offers special discounts for drivers in this group.

Insurance companies have various relationships with industry organizations and alumni associations. Geico is an industry leader in this area, partnering with more than 500 professional organizations and universities to offer discounted pricing.

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Some insurance companies offer discounts for drivers 55 and older. You can also find incentives for drivers over 55 to improve their skills through online driver improvement programs.

Car insurance companies offer many policy-related discounts. Some of these discounts are applied automatically, while others require you to register. Here are some common types of policy discounts:

These discounts are usually easy to find because insurance companies have enough incentives to get you to accept various types of coverage. Significant savings can be achieved by bundling your auto policy with home, life, boat, or other types of insurance. Some companies offer discounts of up to 25% of the total premium when you combine your policies.

Potential savings vary with multi-car discounts. Some insurance companies, such as State Farm, offer discounts of up to 25% for adding multiple vehicles to your policy. Many companies offer a 10% discount on multiple car insurance.

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Pay in full, automatic payments, and paperless billing discounts all fall into this category. Paying the entire premium up front usually saves around 10% – whether it’s six months or a year.

Setting up automatic payments via checking account, debit, or credit card can save you 5 to 10 percent. By going paperless, insurance companies will save some overhead costs, so they often provide a 10% discount.

Your vehicle details can also get you special car insurance discounts. Some companies even offer discounts on new car insurance only. Here are some other common discounts related to vehicle attributes:

Installing an anti-theft device can save you 5 to 15 percent on your comprehensive policy, although it is usually the cheapest part of the overall coverage. If your vehicle is a frequent target for car thieves, it’s a good idea to install an anti-theft device, even if the discount is minimal.

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Many insurance companies offer a 5 to 10 percent discount on collision insurance premiums for factory-installed antilock braking systems (ABS). It is best to ask your agent to verify these discounts as they will be applied automatically.

This discount applies to seat belts and front airbags. You can save up to 30% on personal injury protection (PIP) premiums or medical payments (MedPay) just by installing seat belts and front airbags at the factory.

Usage-based plans help good drivers save more on car insurance. Most major auto insurance companies offer some type of usage-based discount, although many programs are not available in every state.

So how does it work? Telematics insurance plans track your driving habits in real time. They can do this via a mobile app, plug-in device, or Bluetooth tracking beacon. Depending on the provider and country, you can choose the device type. Most plans offer a sign-up discount, but when your auto insurance policy renews after the first tracking period, the discount is based on your driving habits.

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Cautious and infrequent drivers will often see the best auto insurance discounts based on usage. If you develop bad driving habits while enrolled in a usage-based program, you may be penalized with little or no discount. However, some plans, like Progressive’s Snapshot®, may increase rates based on your driving habits. Let’s take a closer look.

Our team of scouts evaluates every major auto insurance provider to select the best in the industry. Here are some of the top options when it comes to general auto insurance discounts. Please note that discounts are not available in all countries.

In addition to standard discounts, these top providers offer some great discounts that are unique to their companies:

Geico is the only company that offers auto insurance discounts to federal employees at the Eagle level or higher. Currently the discount is 12% and applies to the policyholder’s total car insurance premium. Members of more than 500 corporate groups and alumni are also eligible for group membership discounts.

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USAA serves military members and their families, which is why they offer unique auto insurance discounts. Drivers can receive a 60% discount if they store their vehicle in a secure location, which can help during deployment. USAA also offers a 15% discount on vehicle parking at military bases.

That’s progressive

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