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Saving money is more important than ever, especially when buying auto insurance. Don?t assume that an insurance agent will know what kinds of discounts you or your car are eligible for; you should make every effort to find the best options for yourself. CarInsurance.com will help you get the best possible deal, including many discounts you might not be able to find on your own. Discounts can drastically reduce the cost of auto insurance, and you should take advantage of any that you?re able to. If you understand the discounts available to you and how they will affect your premium, you?ll be able to make better decisions about your coverage, and you?ll be able to save yourself quite a bit of money.

Anything that reduces the risk the insurer takes on will usually equal a discount. Safety features often fetch discounts, including automatic seatbelts, airbags, anti-theft devices, and anti-lock brakes. You can also get discounts by taking defensive driving courses. However, bear in mind that any discounts connected to these classes will only apply if you take the class voluntarily; if you were required to take the class because of a citation or court case it won?t count. If you?re a good driver with no citations, accidents, or suspensions in the past three to five years, you can qualify for a safe driver discount. Or, if you?re a full-time student with good grades, unmarried, and under 25 you may also qualify for good student discounts depending on the insurer.

To start, there are discounts you can get for Auto Safety features, and certain states will offer discounts for anti-lock brakes. To receive this discount you must know if your vehicle is a two or four wheel anti-lock brake vehicle. Frequently having automatic seatbelt and airbags will bring discounts on your insurance premiums. Many states also offer discounts to those who complete defensive driver classes. If your vehicles chief driver is either 55 years old or older or has completed the approved defensive driving class, a reduction could apply. Most states will only approve of a class if it was taken voluntarily, not the result of an infraction or violation. Certain insurers offer discounts for owning multiple vehicles, although, in some cases that only applies when you have two or more drivers. Lastly, you could be eligible for a safe driver’s discount if you have had a clean driving record without any accidents, tickets, or suspensions in the past three to five years.

Insurance companies often award clients who have stayed at with the same insurance company for many years without accidents reported. You may also be offered a renewal discount. It benefits the insurance company to keep you happy if you have stayed with them for years without any accidents. They wish to keep your business. Some companies might honor you by offering a discount if you have had prior limits of your previous policy. They offer this because they recognize that you are a better risk.

If you do choose to switch insurers, a discount may be applied for proof of previous insurance, though most companies ask for proof of at least 6 months from your last company. A discount may also be applied if you are a full time student and meet certain grade requirements, are unmarried and under the requested age. If you own any home as a primary residence, if you are in or ever have been in the military and if you have an anti-theft device on your car, discounts may apply.

Another idea to lower your premium is to assume more risk: if you elect to raise your deductible (the amount you must pay for coverage before insurance kicks in), this takes risk off the insurer and places it on you. However, be sure that you have enough in the bank to cover your deductible in case something should happen.

There are many options to save money on your auto insurance, and the more you know about your policies and premiums, the more you can take advantage of the ?hidden? discounts your insurer offers to protect your car at a lower price.

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