Your age — In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. Insurers generally charge more if teenagers or young people below age 25 drive your car.
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Your gender — Statistically, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents DUIs and—most importantly—have less serious accidents than men. So all other things being equal, women often pay less for auto insurance than their male counterparts.
The car you drive — The cost of your car is a major factor in the cost to insure it. Other variables include the likelihood of theft, the cost of repairs, its engine size and the overall safety record of the car. Automobiles with high quality safety equipment might qualify for premium discounts. It typically costs less to pay a little more for a minor repair than to pay a higher premium over time.
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If you have an older car, you may not need Collision and Comprehensive coverage. Compare the cost of the insurance with what the car is worth.
Include group insurance plans as you compare car insurance quotes to find more discounts. Some employers, professional, business or alumni groups and other associations offer group plans for discounts on insurance rates. Do you drive a hybrid car? A couple of reasons exist for why this discount is so sizeable.see
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It is almost a combination discount because someone with a speeding ticket not only doesn't qualify for the good driver discount, but they are also surcharged for the ticket. Also, the good driver discount is usually applied per driver. So every driver in the household could potentially receive this discount, greatly helping to reduce the overall expense of car insurance. Good Student Discount : As its name portrays, only applies to students getting good grades. Usually, a 3.
Also, the normal requirement for college students is 12 credit hours or more to qualify. Young drivers often pay higher rates and insurance companies reward good students with a discount. The theory stands that if a student spends a lot of time home studying, then less time is spent getting into trouble behind the steering wheel.
Homeowner Discount : Getting this one on a car insurance policy may be surprising to some.
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Insurance carriers often offer this discount to clients who own a home regardless if the home is insured with the same company. Insurance companies reward homeowners because they often have more stability than a renter.
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A homeowner can double dip with this discount by combining it with the multi-policy discount; thereby, receiving two top discounts in one swoop.