We all want to get the best car insurance quotes when looking for a new policy. And with every year passing by it seems harder and harder to fulfill. Car insurance quotes tend to increase over time since repairing medical costs are constantly on the rise in this country, and these are the primary elements in the equation of the final rates you will be charged with. Still, there are always means to optimize your costs and car insurance isn't an exception. One of the most overlooked methods for decreasing insurance costs is using discounts that are available at just any insurance company. The amount and requirements for discounts may vary from company to company, but there's a common list of discounts that all providers tend to share. Here are some of the most widespread incentives to employ when looking for affordable auto insurance quotes:
Loyal customer
Drivers who stay with the same company over a long period of time usually get a discount for every consecutive year of continuing their policy. The requirement varies from company to company but it's usually 3-5 years of uninterrupted coverage to qualify.
No claims
If you manage to avoid filing any claims over a period of time then you will get a no claims discount. It can be very effective in optimizing your insurance costs. But you will have to avoid any claims over a period of 3-5 and once you actually get into an accident it will be instantly lost.
Multiple cars
Households with several cars can get lower car insurance quotes if they cover all the vehicles with the same policy. It's easier for insurers to do all the paperwork for several cars at a time and the coverage risk tends to be lower with several cars compared to a single vehicle.
Multiple policy
This discount applies only to companies that provide a broad range of insurance services. If you have a home insurance policy with the same provider you're looking forward to buying car insurance from, your car insurance quotes will be lower. Make sure to ask your current insurance provider whether they offer car insurance.
Good student
Teenage drivers always get high car insurance quotes because they are classified as high risk. However, if you're a good student the insurance company will regard you as a responsible person and provide you with a discount. You'll have to provide a copy of your grade report on a regular basis to keep this discount active.
Low mileage
The less you drive the less likely it is for you to have an accident. That's why insurers usually provide good discounts to drivers whose yearly mileage doesn't exceed the average limit of 10,000 miles.
Senior driver
Senior citizens usually get higher car insurance quotes because they tend to produce collisions more often. However, most companies tend to decrease the financial impact for them and provide drivers who are aged over 65 with reasonable discounts.
Military worker
Members of the military and certain groups of governmental agency workers may get a good cut in their insurance rates. It is advised to consult with the particular insurance provider on the matter.
