Most drivers know that car insurance companies are known to give discounts for things they perceive as lowering their risk of providing coverage. Some of these discounts are nearly universal among insurance companies, although they may vary in value and requirements. That explains why you’ve probably already heard about things like good student discounts and multi-policy discounts. However, there are many a lot of lesser known discounts offered by some insurance companies that could lower the cost of coverage. Why pay more when you don’t have to? Continue reading to learn some of the discounts available from local car insurance agencies and how to make sure you get the most out of the ones you qualify for.
Types of Car Insurance Discounts
Car insurance agencies do not determine the discounts offered to their customers; the insurance companies do. Below, we list some of the car insurance discounts you may not already know about. Some are more common than others, and some may also be more valuable than others. Examples include:
- Early Renewal
Renew more than a week to 10 days before scheduled
- Paying in Full
Skip monthly installments, and pay upfront
- Automatic Payment
Schedule electronic funds transfer payments for your premiums
- Low Mileage
Drive fewer than 10,000 miles per year
- Work Nearby
Live within 5-10 miles of your workplace
- Asset Ownership
Own your car in full
Continue to renew with the same insurer
- Safe Driver
Take a driver education course
- Being Married
Tie the knot and save
Diverse Discounts at Independent Car Insurance Agencies
All of these discounts may sound exciting – especially if you think you may qualify for several of them. In a perfect world, you could take advantage of every discount possible, but in many cases, it doesn’t work out. While nearly all car insurance companies offer at least some discounts, none offer them offer all of them. So how do you find the company that will best accommodate the savings you qualify for? The answer is simple – use an independent agent.
The difference in regular car insurance agencies and independent ones is simple – one serves customers as agents of an exclusive company, and the other works in the best interest of clients with no allegiance to any one company.
Independent agents do the comparison shopping for drivers. They look at much more than the discounts available, instead, they consider an insurance company’s reputation, the quality of available coverage, and the overall cost of premiums. Sometimes, we find an insurance company that outperforms a competitor despite the competitor offering greater or more numerous discounts.
Since we here at Patriot Insurance have a vast range of insurance companies we contract with, our customers have access to a wide range of money-saving car insurance discounts. The Greater selection means a higher likelihood of significant savings, without sacrificing the quality of your coverage. If you qualify for a discount, we can find it. To learn more about how an independent agency can help you get the coverage you need, contact Patriot Insurance today.