Tuesday, March 3, 2009

Is Discovering Discount Auto Insurance Tough

Is Discovering Discount Auto Insurance Tough

There are many companies that offer discount auto insurance on all types of car policies. Did you know you will automatically get a discount if you have never been in an accident or received a ticket in the last 3 to five years. You can also get additional discounts if you already have a different policy with that company as multiple policies are automatically discounted. Multi-car policies also receive discounts and are great if you own more then one auto.

There are other tips or ways that can get you Discount Auto Insurance that many individuals may not be aware of. The type of college degree you have can lower your auto insurance as it was found that individuals with a bachelor's degree in engineering have fewer risks then other individuals.

21st century group also known as AIG Direct offers additional discounts on your auto insurance if you have a degree in mechanical engineering, mathematics, biochemistry and other engineering and scientific fields. Scientists and engineers with no accidents or tickets can save 10 to 30 percent from the base rate.

There are other industries are associated with lower risks and this includes people who are farmers or teachers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should get Free Insurance Quotes from these companies if you are an educator as you are entitled to an additional discount on you automobile insurance. Some insurers may only give discounts if you are a college professor or certified in a specific state, but it is worth a shot to check.

If you were in the army or are currently in the army then you can save between 2 to 15 percent. This military discount does apply to specific states. A military discount on auto insurance is offered through Geico. Geico can also drop your coverage to only comp if you are suddenly deployed. If you receive hostile-fire pay then Geico will lower your bill when you are out of the country by an additional 25%.

AARP members can also lower there rates up to 45% on their auto insurance through Hartford's AARP Auto Insurance Program. They offer specific discounts on multi-policies and multi vehicle policies and additional discounts if you have held insurance with them for longer then five years. Basically the longer you are with the company the more discounts you will receive.

It is also possible to get a 10% discount from MetLife if you complete an online course from the National Safety Council. All the courses offered can be taken online or you can order the course in a kit. All of the courses are based on the NSC's defensive driving. Participating in a defensive driving course is a terrific way to drop points from your insurance, particularly if you have received a lot of tickets or been in an accident.

To get the most out of your car insurance you will have to look deeper then the basic auto insurance comparison quotes. You should have all of your questions ready and take the time calling up the auto insurance companies and making sure you get answers. Some of the discounts are unknown but they are there and all you have to do is ask to see if it applies to your policy and circumstances.

By: Joseph Welusz
Article Directory: http://www.articledashboard.com

1 comment:

Life Insurance Companies said...

That's what I like most about insurance. I always get discounts.


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