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.

Auto Insurance Discounts

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.

Vehicle Safety Auto Insurance Discounts

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.

Anti-theft Auto Insurance Discounts

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 .

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.

Good Credit Rating Discounts

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.

Good Student Discounts

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.

Military Auto Insurance Discounts

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

Organization and Occupational Discounts

You may be entitled to discounts based on your involvement with professional organizations, professional associations, or your employment.

Senior Citizen Auto Insurance Discount

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

Low Milage 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.

Multicar Discount

If if have two or more vehicles on the same policy, you my be eligible for a multicar discount.

Claims Free Auto Insurance Discounts

If you have not had any claims with your previous or present auto insurance carrier, you may be eligible for a claims free auto insurance discount.