Car Insurance Discounts You May Not Be Aware Of

By Carol Marx

Are you like many other car owners? If so, you may have kept the same car insurance policy for years, and never really thought about it much unless you needed to use it. Does this sound like you? Have you kept the same insurer for years without considering if it still was the best one for you and your family of drivers?

But financial experts tell us that this is a big mistake. In fact, we are told to shop and compare auto policies every 12 months or so. There are a lot of reasons to do this.

Auto insurance companies change their offers and underwriting policies. You may do better with another insurer this year, even though your current company was better for you last year.

Beyond the insurance market, changes in your own unique situation will affect your auto policy. If you have started a home business, taken another job, or put your teen driver behind the wheel, you probably should compare policies! Some other life changes, that may not seem as large, can also have a signifigant affect on your premiums.

When was the last time you made an appointment with an insurance agent? Agents are great resources, and they can help you find the best deals. But your old agent may not be proactive about calling you. You may be missing a lot of good discounts because you have not taken the time to find them.

Are you missing some money saving car policy discounts just because you do not know abou tthem?

You may not even realize that some of these exist, and they may give you a good opportunity to get a better deal on your rates. In fact, you may even decide to purchase a different car in the future with these discounts in mind.

Hybrid vehicles earn a new discount with some big insurance companies. Insurers have found that green car owners tend to be better risks to insure. If you already own a hybrid car, this may help you. If you want to buy a new car, this could motivate you to buy a new green car!

One of the biggest and most popular discounts are for combining your car and home policy with the same insurer. There are also other multiple policy discounts to consider too. If you have more than one driver or vehicle, or if you need a renters policy instead of a homeowners policy, you may benefit too. If you have spread your business out with multiple companies, consider saving by placing all of your coverage with one office.

Defensive driving classes take a few hours. You can find some you can even complete at home with a computer or a DVD. Many insurers offer a substantial discount for completion of a defensive driving class, and many vehicle owners think it is worth it.

Some people hesitate to shop for new policies because they think it will be too complicated and time consuming. But you can find many web based quote forms that will give you quick answers in a few minutes. You will get to compare quotes, policies, and companies. In addition, you will get the names of local agents who can help you over the phone or in person.

Save money with instant auto insurance quotes, or take a moment to call a local agent. A quick car insurance quote can help you save a lot of cash and time in the long run.

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