How to get Auto insurance discounts

We all want to get a good bargain and with car insurance going up every year, there are discount if you know the basic criteria. Be sure to ask your car insurance agent for these discounts on your premium. Here is a list of thing that could get you discounts off your car insurance.

Air bags and automatic seat belts

Automatic seat belts are those annoying belts that choke you when you close the door. Some companies might give a good discount off Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts. This discount is given because the insurance company knows you will be belted in every time, hence your risk of injury in a crash is much less than someone else who is not belted in.

Anti-theft/Alarm

Some companies give discounts off the Comprehensive premium when an active anti-theft device is present. This usually means a burglar alarm. Some companies may discount more if the alarm arms itself automatically when you turn off the vehicle. This discount usually does not add up to much, but combined with other discounts listed here, will certainly make a dent.

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Anti-lock brakes (ABS) If you have Anti-lock brakes (ABS), you may 5% or more off Property Damage coverage. Driving school Some companies give drivers under age 25 who complete a state approved driver’s education class up to 10% off on Property Damage, Medical Payments and Collision coverage. Geography Where you live matters. For instance, those living in rural Canada are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Safe driver

Sometimes if you are a safe driver, usually 3 years with no points, you qualify for additional savings on different types of coverage. The insurance company will let you know. Usually on your insurance bill you will see something that says "Your premium reflects the maximum discount allowed for safe driver".

Multi-car or home & car insurance

If you insure 2 or more vehicles on the same policy some companies may give you a discount. They may be equally generous if you have your home and both cars insured with them as well.

Safe vehicle

Some insurance companies classify certain cars as "Safe Cars", meaning there is statistical data to suggest that there is less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.

Keep your car in a garage

Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

Other discounts

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a CAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.