Discount Auto Insurance

Discount Auto Insurance

Discounted Auto Insurance-
There are a lot of ways to earn discounts on auto insurance. We'll tell you what auto & car insurance companies look for and why.

In This Section you can find: 

• Lists of common auto insurance discounts 
• Descriptions of things you can do to earn a lower auto  insurance rate 
• How to find the lowest priced auto insurance policy

There are four basic strategies for earning Discounted Auto insurance.

Changing your car

Your lifestyle,

Your provider,

Your policy.

Your lifestyle

I don't think you want to turn the way you live upside down just to save a few dollars on Auto insurance. We wouldn't. There are some small things you can do to save yourself money.

Drive less - drive safely. Auto Insurance companies offer safe driver incentives, that can mean an Auto insurance discount. Drivers with no bad points in the last three years qualify for lower Auto insurance premiums.

There's good reason for this. For every speeding ticket you get within one year, your chances of being at fault in an accident rise dramatically. (We're talking almost 100% per ticket.) So slow down!

The less you drive the less you pay. If you can carpool or use public transit to and from work, your insurance rate will go down. Lower the mileage you drive and you'll lower your insurance premium.

If you have teenagers who drive, it will be harder to qualify for lower insurance rates. Teenage drivers who are good students, and have safe driving courses or who drive older model cars, may earn you an Auto insurance discount.

Your car

The kind of car you drive can have an effect on your Auto insurance costs. High profile cars (High performance sporty coupes and popular cars preferred by thieves, like Honda Accords) will earn higher premiums than lower profile sedans and station wagons.

New and expensive cars mean higher collision and comprehensive premiums. Driving an older model can lower your Auto insurance premium quite a bit.

Another way to earn a discounted Auto insurance rate is to install safety devices on your car. Air bags, automatic seatbelts, and anti-lock breaks will all improve your rate on medical and un/under-insured motorist coverage. Car alarms and locator devices can reduce the cost of comprehensive coverage.

Answer Financial offer discount auto insurance premiums if you have one (or more) anti-theft devices. When you fill out the quote form, make sure you mention this, to see how much you can save.

Your policy

Choosing the right amount of coverage in the right areas and raising deductibles, increasing liability limits, and eliminating redundant policies are ways to make your auto insurance dollar go farther.

Changing your coverage amounts isn't the only way to save money on your auto insurance. Insuring your car with the same company that you have your homeowners, health insurance, life insurance or other types of coverage with can earn you lower premiums.Some companies will discount auto insurance if you pay your premium electronically.

Your auto insurance company

Shopping around several auto insurance companies might be the best way to save on auto insurance. Quotes for the same coverage can vary widely from insurance company to insurance company, and getting as many auto & car insurance quotes from as many companies before you make a decision can be a real money saver.

Shopping for the lowest priced car insurance online is great way to get multiple quotes without a lot of hassle or commitment. Answer Financial will get you several low insurance quotes with one easy application.

And even if you don't decide to go with any of them, you'll have some figures to use comparison shopping with your hometown auto insurance agent.

Next: Find out your state's minimum coverage requirements.