Senior citizens can receive a reduced premium on their auto insurance rates.

Low Mileage Auto Insurance Discount

Low annual milage often offers a reduced premium on auto insurance. Usually 5,000 annual miles or less driven each year is consider the lowest possible discount.

Also, discounts are given to personnel on active duty, retired military personnel and members of the National Guard or Reserves.

If you’re younger than 25 years old, single and a full-time student who meets certain GPA requirements, you could be eligible for a good student discount.

Believe it or not, some insurance companies also use your credit rating when considering extending auto insurance discounts, and a poor credit rating can affect your auto insurance premium.

Reduce Coverage to Reduce Auto Insurance Rates

A change in coverage will also effect your auto insurance rates. Increasing your deductible will lower your auto insurance rates. Drop collision coverage if the value on your car is low, especially if your car is worth less than your deductible. Raise your insurance deductible if you have the cash on hand to cope with making a larger financial contribution in the event of an accident.

Insurance companies also provide auto insurance discounts for anti-theft features such as cut off switches, computer chip keyed ignitions, vehicle alarms, and vehicle tracking devices .

Factors that impact your auto insurance rates are the type of vehicle safety rating and vehicle safety features your vehicle may contain such as air bags and anti-lock brakes. Other insurance discounts may be obtain for safe cars with passive restraint systems and your rate might be lower if your vehicle is equipped with safety features like factory-installed motorized seatbelts.

You may not know it, but there are many potential ways to get discounts on auto insurance. This article will give you valuable information on auto insurance discounts. How do you obtain auto insurance discounts? Reading this article is the first step in obtain auto insurance discounts. Some insurance companies recognizes multiple policy, safety conscious and claim free customers with premium insurance discounts.

Get the discounts you deserve from an insurance company that’s as responsible as you are. The best way to receive Auto Insurance Discounts is to shop around carefully and obtain as many quotes as possible for comparative coverages. It’s important when shopping for an auto insurance quotation that you ask if there are any discounts that could apply.

Overall, your safe driving record is by far the biggest contributor to auto insurance discounts. If you have not had any moving violations or accidents for the past three years, you may be able to reduce your premiums by up to 40 percent through safe driving auto insurance discounts. Discounts For Safe Drivers and Premier Discount if you have a clean driving record (no accidents, no violations) during the past 3 years, you could get rewarded with a lower rate. Overall, your safe driving record is by far the biggest contributor to auto insurance discounts.

Regardless of how wrong and dangerous we know texting and driving can be ten percent of adults and twenty percent of teenagers have admitted that they have entire conversations over text message platforms while driving

Aggravating Drivers and You: Your Vehicle insurance agent may warn you of the issues of the road, but there is a good chance they are not going to teach you how to safely handle aggravating drivers. Everyone on the road has handled a driver that is far beyond aggravating at some point in their driving.

During Flooding Steer clear. Avoid driving through any water, if possible. If you do drive through shallow water, drive slowly and steadily. If the water is at or above your wheel rims, dry your brakes afterward by pressing gently on the brake pedal with your left foot while maintaining speed with your right foot. (Do this on a clear patch of road.)

Did you know that teen drivers have a 400% higher chance of being in a auto crash when testing and driving then adults. 25% of teens respond to at least one text while driving every single time

Keep the invite list short: Statistically, teenagers are less likely to crash when they are driving alone or with an adult, so consider setting limits on when and how often your child can ride with or transport other teenagers.

For instance, you might wait until your teen has been driving for at least six months before giving permission to drive and ride with friends. Teenagers can also limit distractions by regulating noise in the car (e.g., conversations, music) and keeping their eyes focused solely on the road.

On average the speed in the US is about 55 mph. Taking only five seconds to read a text in this time would mean that you would travel the length of the football field without looking at the road, or being distracted. There are so many vehicles on the road today that means there is a very high chance of something terrible happening in this distance