Articles » Cheap auto insurance through discounts
As consumers we all want to get things we need and want for the lowest price possible. It's one of the main sides of market competition, which is is certainly the driving force of any economy. Service providers and product vendors compete to get the attention of the customer and satisfy him with the optimal price and quality of service. There are plenty of tools companies use to attract clients and that's what marketing is for. And one of the most popular and useful tools are discounts. Discounts help both the vendor (attract new clients) and the buyer (getting the good for a lower price). And when it comes to such things as vehicle insurance discounts can be a good way to save some money on a regular basis.
Insurance providers use discounts both to attract new clients and reward certain groups of drivers that are loyal to the company. The sets and the exact extents of discounts may vary from company to company, yet the general selection of the most widespread discounts tends to be the same among the multitude of providers. So if you want to get cheap auto insurance through discounts here are some of the popular to consider:
Multiple car discount
Car insurance providers love it when customers insure two or more cars under the same policy because it saves a lot of time and paperwork. So if you have two or more cars in the household it's always better to cover them under one policy rather than purchase separate policies for each vehicle. Thanks to this discount your overall premium will be much lower than the sum of premiums you would have with multiple policies.
Multiple policy discount
This discount is available only with companies that provide different types of insurance services. For example you have your home insured with a company that also offers car insurance. Even if the rates are not as competitive as with other companies it would be better to buy from the same company you have other policies, because this way you will always get a considerable cut from your premium.
Loyal customer discount
If you've been with the same provider for a couple of years then you can opt for the loyal customer discount. The requirement varies from company to company but usually you have to remain with the same insurer for at least 3-5 years in order to get the cut. But it's usually worth it.
Good driver discount
Good drivers are considered as a low risk and normally get lower rates than other groups of customers. If you manage to keep your driving record clean of any violations, tickets and accidents for a long period of time your insurer will reward you with cheap auto insurance.
Safety improvement discount
If you improve the safety of your vehicle and lower the risk of theft or injuries to the passenger then you can opt for a special discount. Installing anti-theft devices, additional seat belts, air bags and other safety and security gadgets is welcomed by insurers. Only make sure to inform them about the add-ons in order to get your discount.
Defensive driving discount
Defensive driving is a good method of getting rid from penalty points in your driving record and also a way to get cheap auto insurance. If you provide a certificate after completing a course of defensive driving your insurer is likely to offer a good discount.