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Many car insurance companies offer discounts to help drivers save money on their premiums. However, every car insurance provider offers different discounts with varying savings potential. If you’re shopping for a car insurance policy, make sure to compare providers based on the discounts they offer and the amount of money you could save.Â
While car insurance discounts will vary based on the company, there are some car insurance discounts that are more common than others. In this guide, we’ll look at a few of the most common car insurance discounts and share which auto insurance companies offer the most car insurance discounts. Â
Most reputable car insurance providers offer discounts. These are some of the most common car insurance discounts that you will find:Â
There are several ways to get discounts on car insurance. When you apply for a policy, you will answer some questions that can be used to determine your eligibility for discounts. For example, you might be asked how many miles you drive per year, if you’re a homeowner, and what safety features your car has. Â
For other discounts, such as good student, military, or affinity group discounts, you will probably need to contact an agent. Ask them how you can qualify for the discount and what information is needed to verify your eligibility. Once the discount has been applied to your policy, you should see your premium go down.Â
Every car insurance company offers different discounts, and some carriers offer a bigger selection of discounts than others. When comparing car insurance companies, it’s a good idea to pay attention to the discounts available, and the average savings (if advertised). Choosing a company that offers multiple discounts you can qualify for could help you get the most affordable policy for your coverage needs and personal situation.Â
Besides car insurance discounts, there are several other strategies you can use to get car insurance at a lower price:Â
It’s always a good idea to ask an agent if you can get discounted car insurance. However, you will probably need to qualify for one of the discounts offered in order to save money. Some insurance companies don’t advertise all their discounts online, and some discounts may only be available in certain states, so it’s worth speaking to an agent about the ways you could save.Â
Some car insurance companies offer discounts for first responders, but it’s not very common. Liberty Mutual, California Casualty, and COUNTRY Financial are a few of the insurers that offer discounts for police officers, firefighters, EMTs, and other first responders.Â
Students can get discounts on car insurance, but there are some eligibility requirements. Most insurance companies offer a discount to single, full-time high school and college students who maintain a ‘B’ GPA average or better. Students may also qualify for savings if they earn a certain score on standardized tests, like the SAT, ACT, or PSAT.Â
There are some car insurance providers that offer discounts to senior drivers, but not many. You may find car insurance companies that offer a discount to senior drivers who complete an approved defensive driving course. Seniors may also be able to get a discount if their insurance company offers an affinity discount to members of the AARP or similar organizations.Â
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