January 20, 2011

Discounts Available To Drivers Who Buy Auto Insurance Online

While shopping for auto insurance online, most drivers have a few questions about how to find car insurance discounts. If coverage discounts are available in your area, you will be able to find comprehensive information online. If a car insurance discount is available from local insurance offices and licensed brokers in your state, your will also be able to find these discounts online. Discount terms and availability vary by state. However, if you're buying auto insurance online you can easily find all of the information you need about car insurance discounts and availability.

Customer loyalty incentives are one of the most popular types of car insurance discounts. Car insurance providers offer these discounts to retain policyholders and customers love them because they keep rates low and bills simple. Many of the best insurance companies offer family-friendly discounts when drivers add relatives, including young adults, dependents and foreign exchange students, to a car insurance policy. If you live in a multi-car household, you can easily reduce annual premiums by insuring your second car with the same provider. When shopping for auto insurance online, look for multi-car discounts that could reduce secondary premiums by 25%. Some car insurance companies also offer combined discounts online if you purchase your car insurance and other forms of insurance together.

Car, driver and geographical operating area are three of the most important factors affecting the availability of car insurance discounts for drivers shopping for quotes and policies online. Vehicle age, value, make and model all affect insurance premiums as well as small factors, such as insuring a 2-door coupe versus a 4-door sedan. The safer the car, the more car insurance discounts will be available. Driver's side airbags are a great safety feature, but insurance companies award larger discounts if passenger airbags are also installed. If you're shopping for auto insurance online, chances are you can access discounts on medical benefits, personal injury protection and other coverage premiums if your vehicle has automatic safety features.

Depending on your age, driving record and experience, certain factors affecting your insurance rates will remain fairly static. However, most drivers, including teens, can take proactive steps to become a safer driver and qualify for car insurance discounts. Young drivers and inexperienced drivers face notoriously high premiums, but it's possible to control these costs with discounts offered for completing a defensive driving program or driver's education course. Shopping for auto insurance online is the best way to access all available discounts, compare and buy in a few simple steps. Even if you've had a speeding ticket or two, you may qualify for car insurance discounts when you buy auto insurance online.