Accident Auto Insurance Discounts: Goup Insurance Discounts

One often overlooked auto insurance discount offered by auto insurance carriers is given to members of professional organizations. Auto insurance companies extend these discounts to professional organizations in an effort to get more business, but unfortunately many members simply aren't aware of all the benefits that come with their membership. It never hurts to ask. If you belong to a professional organization give your auto insurance carrier a call and see if you qualify for a discount. So how much could you save on your auto insurance premiums? Geico quotes up to 27%. That's nothing to scoff at. Give your carrier a call today and remember to always shop around for auto insurance quotes to get the lowest rate.

Avoid Lapses In Auto Insurance Coverage

Auto insurance companies are tricky folks. Rest assured, they will use every opportunity they can to charge you a bit more for your auto insurance. One way they do this is through lapses in coverage. If you allow your coverage to lapse, even briefly, you can be disqualified from receiving discounts, which can lower your premium significantly. From their perspective, a policyholder who allows their coverage to lapse isn't really being a responsible policyholder, and thus pose a slightly higher risk to the company. At least that is how they justify it. Plus, policyholders who let their coverage lapse are no longer paying premiums...auto insurance companies are in the business of collecting premiums so they don't like it when people stop.

So what is the moral of the story here? DON'T LET YOUR POLICY LAPSE. Make sure you pay your auto insurance bills on time. If you have searched around for auto insurance quotes from other carriers and decided that you can save money by taking your business elsewhere, be sure that you DO NOT quit your current policy until your new auto insurance coverage takes effect.

Accident Auto Insurance and Low Mileage Discounts

Do you know how much do you drive every year? No. Well, you best start paying attention. Many auto insurance carriers are offering policyholders discounts for driving less. Again, for the auto insurance companies, it's a game of risk. The less you drive, the less likely you are to get in a crash and cost them money. I hate to sound like it all comes down to money, but from their perspective, it does. Auto insurance companies are running a business, and they are in the business of making money.

So, first of all, determine how many miles you drive annually and call your auto insurance company to see if you qualify for the low mileage discount. If not, ask them what mileage does qualify. Consider changing your habits a bit to keep your mileage under this number. You'd be surprised how easy it is to cut back on your driving. Here are some ways you can cut back on your driving.

• Get out and walk a little if you only have a short distance to go. You will get fit in the process and help the environment.
• For longer distances, consider riding your bike.
  
• Start a carpool. You drive one day, someone else drives the next.
• Start an office vanpool (same as above, except you drive in a van and go to the office :) )

Remember to shop around for auto insurance quotes and tell them what your annual mileage is. You may end up saving quite a bit in the process!

Accident Auto Insurance Discounts: How to save a little, or maybe even a lot on your auto insurance through discounts

As you may or may not know, the auto insurance industry is highly competitive mainly because it is also highly profitable. Consequently companies will do a lot to get, and keep, your business. One way that auto insurance companies do this is by offering auto insurance policy discounts to different types of drivers, generally deemed to be lower risk.

Some of the most popular, and obvious, discounts are given if you've had no accidents or tickets in the last 3 to 5 years. Another popular discount is called a "multi-line" discount where you are given a discount by purchasing multiple policies, such as a homeowner's or renter's insurance policy. There is also a "multi-vehicle" policy given when you purchase accident auto insurance for multiple cars.

Here are some other discounts you may not know about:

Engineers

21st Century Group gives auto insurance discounts to people with college degrees in engineering and science-related fields. They found that these folks tend to be a lower accident risk, go figure. This discount could save you between $40 and $120 on your accident auto insurance.

Teachers

The Horace Mann Insurance agency offers discounts to teachers belonging to the National Education Association or state education associations. This discount is based on the auto insurance agencies observations that teachers have stable jobs, and are under scrutiny by the community, which apparently lead to safer driving. 21st Century offers teachers an auto insurance discount, but to those certified by the State of California Commission on Teacher Credentialing, or full-time college or university professors.

Army

Geico offers a 2% to 5% discount to active and retired members of the military. This discount is not available to policy holders in the following states: Georgia, Indiana, Maine, Massachusetts, Michigan, Mississippi, New Jersey, New Mexico, Tennessee and Texas.

Seniors

Hartford's AARP Auto Insurance Program offers AARP members a discount of as much as 45% of their auto insurance premium as follows: 20% to 25% off your auto insurance for insuring multiple cars on a policy, 10% if you also have a homeowners policy with Hartford, and 5% if you have been with the company for more than 5 years without blemishes on your driving record.

Internet

Unitrin will give you a $50 discount on your auto insurance premium just for purchasing through their website. They will give you an additional 10% discount if you are a four-year college graduate under age of 30. These discounts are only available in Arizona, Colorado, Connecticut, Florida, Illinois, Indiana, Missouri, Nevada, Ohio, Oregon, Pennsylvania, Texas, Virginia and Wisconsin.

Because of the great amount of competition in the auto insurance industry, it certainly pays to shop around for auto insurance quotes. As shown above, getting auto insurance quotes including discounts from multiple companies can save you 45% off your policy, if not more, so do your homework!