How Auto Insurance Discounts Are Applied For Public Servants

Government employees including teachers, firefighters, police officers and other public servants have received relatively low pay in proportion to the services they have provided. However, those jobs traditionally have offered excellent employee benefits and job stability. There are other perks as well in the form of auto insurance discounts that many companies offer public servants.

Assuming you meet the qualifications your insurance company establishes for "public servants," you might be able to qualify for substantial discounts. One commercial insurance carrier offers up to a 23 percent discount on a multi-car policy and up to a 14 percent discount if you have both auto and home insurance with that carrier. Of course, rates of discount will vary from company to company. But you should ask your insurance agent if your carrier has special discounts for public servants.

Some insurance carriers cater to government employees and advertise those services. Others make it known in their literature and ask as a standard question if you are employed by a government agency. Public labor unions and other types of professional public organizations will often be able to direct you to sources for finding companies that offer auto insurance discounts to public servants.

There are many designations for public servants and it is good to ask your auto insurance agent who qualifies for the discounts. Each company will have different guidelines. For example, it make a difference of you are a part-time or full-time employee. The reason for this, of course, is that everyone wants a discount and auto insurance carriers need to be sure their customers actually qualify for them.

Most companies give discounts for those serving in the military and some give discounts to men and women serving in the National Guard. These discounts can be up to 10 percent. Veterans might also be eligible for auto insurance discounts as well. But you need to ask your insurance agent if these discounts apply. Some auto insurance agents will make the information readily available. Others may not for whatever reason. Don't assume that because you are a public servant you will automatically receive a discount on auto insurance.

The good news is that if you are a public servant and are eligible for auto insurance discounts through your carrier, you may also receive other discounts for purchasing other coverage such as home, auto and life insurance. Most companies offer discounts for a clean driving record, no accidents, age and other factors. In these tough economic times, don't be too bashful about asking for discounts. Auto insurance agents are used to those questions and the good ones will do whatever they can to save you money and keep your business.


Car Safety Features That Lower Your Auto Insurance Quotes

Car insurance can be very expensive, depending on your driving record, insurance history, and the type of vehicle that you drive. The premiums that we are charged are determined by the above factors as well as the number of claims insurance companies have to pay out. Luckily insurance companies offer auto insurance discounts to drivers to help lower their premiums. When you get auto insurance quotes, advise your insurance agent of any safety features that are present in your vehicle to see if you qualify for auto insurance discounts.

Not many drivers realize that a laminated windshield can help lower your insurance premiums. Lamination helps to keep your windshield in one piece after an accident. It reduces the amount of shattered glass that enters the interior of the vehicle; thus, eliminating possible repairs to upholstery, dashboard, and interior features.

Airbags are a more commonly thought of safety feature. They are designed to deploy in the event of a collision, shielding the driver and passenger’s head and upper body from injury. It lowers the amount of money paid out in bodily injury claims.

Anti-lock braking systems, or ABS, are available in most new vehicles. They help to prevent your wheels from locking up when you apply hard pressure to your brakes. They allow you to control your vehicle easier when you are driving on wet or uneven road surfaces as well as steer around an object in front of you.

Head restraints help to reduce head and neck injuries by supporting your head if you are involved in a collision. As long as they are properly adjusted to each individual, they will help lower the chance of having to file a bodily injury claim through your insurance company.

Many new vehicles come with crumple zones which help to absorb the energy and impact of a collision by redirecting it away from the interior of your vehicle. This action helps to reduce the force of the impact on the driver and passengers in the vehicle.

Electronic stability control is a safety feature that helps to control the movements of your vehicle as you take high-speed turns or while you are driving on wet or slippery roads. It works in conjunction with your ABS to control the braking and steering of your vehicle. Together, these two features can eliminate rollovers.

When you are researching different vehicles to purchase, make sure that you obtain auto insurance quotes before making your final decision. Ask the car dealerships about the safety features that are available on different makes and models. Not only will they help keep you and your passengers safe on each trip, they will help to lower your yearly insurance premiums.


4 Ways That Experienced Drivers Can Lower Their Car Insurance Quotes

Auto insurance premiums can be costly, so you should try to save money in any way you can. When you obtain auto insurance quotes, make sure that you inquire about what auto insurance discounts are available for you.

Even if you have had an insurance policy at the same place for several years, it may benefit you to shop around and compare auto insurance quotes from other companies. To do this, you should have a copy of your current auto insurance policy available so that you can compare the exact same coverage. You should obtain at least 3 to 5 separate quotes so that you can have a variety of options to choose from. You want to ensure that you choose a reputable company as well as one that offers a good price.

Review your current policy to see if you can remove any unnecessary coverage. If you drive an older vehicle, you may want to drop comprehensive and collision from your policy. If you are in an accident, the chances are likely that the insurance company will deem your vehicle a total loss as it will cost more to repair it than it is worth. As well, when you are reviewing your coverage, you may want to raise your deductible. This is the amount that you are responsible for paying before the insurance company will pay. The higher your deductible is, the lower your premiums will be. Just make sure that you can afford to pay the deductible should you need to file a claim.

Inquire with your insurance company as to what kinds of auto insurance discounts they can offer you. If you have more than one vehicle, you will qualify for a multi-vehicle discount. As well, if you place all of your insurance products, such as home, auto, and life, you will qualify for a multi-product discount. This gives you a lower premium on all lines of insurance. If your vehicle has certain safety features and anti-theft devices, you can get discounts. Other discounts that may be available include good driver, good student, renewal, or low mileage discounts.

You should consider paying off your entire yearly premiums rather than having it debited from your bank account annually. Many insurance companies charge a service fee of approximately 3% for the privilege of using this service. So, if you can afford to pay the whole year up front, this is a good way to save some money.

Auto insurance doesn’t have to cost you extreme amounts of money. There are many ways you can save on your yearly premiums. Always review your coverage with your agent and shop around to make sure you are getting the best rate.


How To Get A Driver Training Discount From Your Insurer

Auto insurance companies offer discounts to those who take driver training courses. They offer driver training courses online and offline. Drivers can save on auto insurance premiums if a driver takes the initiative to take these courses. The certificate that is issued at the conclusion of the course is submitted to the insurance company.

First, a person must get information from his or her auto insurance company on the approved driving courses. The individual needs to call the insurer and request two auto insurance quotes. Each auto insurance quote should be detailed. Individuals should request quotes that show pricing for auto insurance premiums without discounts provided. The second quote should include the pricing with the various discounts applied, if the individual takes driver improvement safety courses. The driver should then request an approved list of providers for the training. It is important to choose from a list of approved providers for the driver safety education. Many of the insurers only recognize certain courses provided from certain schools. A driver should avoid investing in a course that is not approved by the insurer. Attending an unapproved driver safety class can result in wasted time and effort. Again, the insurer will be able to provide you with the resources needed to select a course that meets their requirements.

The driver must attend the accredited course. The driver has to make sure that he or she receives the proper certification at the conclusion of the course to verify attendance. Without it, the driver will have a difficult time getting the auto insurance discount. Once a person has attended an approved driver safety course, the person will be able to request that the discounts be applied to the premium. When the insurer requests a copy of the certification, make sure to submit the previously issued quote received with the quoted discounts. A person should be prepared to submit a valid license, the insurer’s previously issued quote, and a certificate of completion. Upon receipt of the necessary documentation, the discounts are applied to the premium in accordance with their written policies.

Providers of auto insurance offer these discounts to encourage drivers to take additional courses to improve on their driving. Insurers prefer that drivers take the initiative to improve on skills such as defensive driving. This translates to a lower level of risks associated with providing auto insurance to a driver. Auto insurance discounts are given to drivers that take the initiative to take advantage of driver improvement courses. When drivers inquire about auto insurance rates, they can also ask for the specific amount of the auto insurance discounts associated with any courses that they desire to take.


Why Do Auto Insurance Companies Offer Discounts To Policyholders

When purchasing any sort of insurance, whether it be auto, home or life insurance, the ultimate goal is to find the cheapest premiums combined with the best coverage. This can mean shopping around and investing the time to determine exactly what is available. In the world of auto insurance, one effective way of lowering premiums is to find a company that offers discounts to its policyholders.

Most auto insurance quotes are for the basic’ plan – that is, they do not include any discounts the company may offer. In order to see if a company does in fact offer any kind of auto insurance discount, a good idea is to speak to a representative either in person or by querying the company via email. In many cases, auto insurance companies will provide discounts to their policyholders based on a number of factors: One important factor will be the client’s previous driving record. A clean driving record will likely lead to a far lower rate than if several accidents have been reported and claimed. Another factor is the age of the driver. Typically, anyone over the age of 25 receives a reasonably large discount on their insurance simply based on their age and the fact that they have had a significant amount of driving experience.

Other factors may be less clear-cut. The type of vehicle that a client owns can most definitely influence the price of an insurance policy. The color of the vehicle influences the price as well. Some studies have shown that red cars, as an example, are involved in more accidents than those of other colors. It is therefore possible to end up paying too much for auto insurance simply based on the hue of a car’s paint. Also, the type of driving the vehicle is going to be used for will also make a difference in premium price. If the vehicle is claimed as only being driven occasionally, the cost to insure it will be less than if it is a primary vehicle.

One other important way that discounts are given out is when a client has other insurance policies with the same company. Often times companies will offer two or three different types of insurance. In the same way that a phone, internet and TV package can be ‘bundled’, so too can insurance policies, which leads to a reduced rate. Every company will have different criteria which must be met to give out discounts, and it is worth a prospective client doing the research to determine which company’s discounts most favorably suit their needs. This will allow them to find the most cost effective way to insure their vehicle.


Five Questions To Ask To Save On Auto Insurance

Auto insurance premiums can be extremely high; however it’s important that you are aware that you may be able to lower yours. The best way to save on insurance and lower your auto insurance rate is by asking yourself and the insurance company five specific questions.

The first question is the most important: What coverage do I really need?’ There are many difference types of coverage available. Each state has a minimum that is required by law. Find out what this minimum is, and then decide if it is enough for you when shopping for an auto insurance quote. Some lenders also require additional coverage. By knowing what the state requirements are, you can lower your auto insurance rates by asking for the minimum coverage. Once you determine exactly what coverage you need, the next question to ask is regarding the deductible: ‘Can I lower my rate by asking for a higher deductible?’ The higher the deductible, the lower your premium. You will pay more out of pocket in the event of an accident, but your overall insurance rate will be lower.

The next question is one that is often overlooked by many people: ‘What auto insurance discounts do I qualify for?’ Many people qualify for discounts they are unaware of. Several agencies offer auto insurance discounts for being a long-term customer, paying your premiums on time, defensive driving and safe driver courses, low mileage use, home and work location, good driving record and safety feature installation. You may also see if there is a discount for paperless billing and making payments online. Quite often there are also discounts available for organization memberships, such as AAA or other roadside assistance programs. Always ask for a list of membership organizations offering discounts, as well as other discounts the company offers.

Do you have other insurance needs as well? Ask yourself, and the insurance company ‘Can I save on auto insurance by combining all my insurance needs?’ If you have more than one vehicle needing coverage, you may be able to obtain a discounted rate for insuring multiple vehicles together. Likewise, you may be able to save even more if you obtain your renters or homeowners insurance through the same company. By combining all your insurance needs into one bundled package, you are likely to save even more. The one thing you must remember is that not all insurance companies are created equal. You need to ask yourself ‘Can I save more by going somewhere else?’ A different company may have a different deductible or offer more discounts. Or, a different company may offer the same discounts, coverage and services at a lower rate.

By asking the right questions, you can receive more discounts and a lower auto insurance rate.


What Sorts Of Discounts Are Available On My Auto Insurance Policy?

Shopping for auto insurance can be a chore; but once you've found a reputable company with agreeable rates, it's time to find out what auto insurance discounts you're eligible for. Cheap auto insurance doesn't have to be a myth if you have the right money-saving tools.

Auto insurance companies operate similarly to cable and Internet providers – the more services you have with them, the cheaper your bill. The "bundle" approach works for auto insurance as well. For example, many insurance companies offer a discount if you insure multiple vehicles registered at the same address with them, what is known as a multi-vehicle discount. You can also qualify for something called a multi-line discount if you buy life insurance, homeowners insurance or health insurance with the same company you use for your auto insurance.

Age of the insured is another cost-reducing factor in auto insurance. When a person turns 25 years old, his or her auto insurance rates will drop. Another discount for young people is offered when they go from single to married. Similarly, there are opportunities to get reductions if you are insuring a teenager. Many insurance companies offer discounts, if guidelines are met, to new drivers that have taken a defensive driving course. In the same way, good grades lower insurance rates. Eligibility can include top 20 percent of a student's class, a B grade average, a 3.0 GPA or higher, and so on.

And, of course, your driving record is always a factor in getting you cheap auto insurance. Most insurance companies offer a discount if you have a clean driving record. Commonly, if you have no moving violations and no at-fault accidents in the past three years, you are eligible for further discounts down the road. The year, make and model of your vehicle also play a can play a beneficial role in your insurance rates. Vehicles made after 1994 have certain safety devises, such as anti-lock brakes and daytime running lights, which may be able to save you money. The primary place of residence (zip code) is another important factor. If you are looking to move, you may want to call your insurance company and see if you can lower your insurance rates by moving to one neighborhood versus another.

Some of these auto insurance discounts may overlap, and you may hit a limit on how many discounts you're eligible for, but in this economy, every dollar counts. And, if saving money is as simple as insuring multiple cars (residing at the same residence) under one plan, or switching life insurance companies, then re-evaluating to make your insurance plan a cheap auto insurance plan may be well worth the time.


Discounts That You May Qualify For

In California the law is that everyone who drives must have auto insurance. It’s also true that in the Golden State, many of us are feeling the hurt of the recession. We are all cutting back on our spending but your insurance is something you cannot do without. So what is the solution? Try looking for a good deal. It’s easy to find auto insurance quotes online and the best part is you can usually get a quote for free! Also, if you’re a really smart consumer, you can usually score yourself some deals and discounts you many not know about when it comes to your insurance.

Depending on your California auto insurance provider you can get some discounts on your car insurance based on a number of factors. Mostly, if you’re less likely to get into an accident or less likely to get hurt in an accident, you can get a discount. One of the ways to save is based simply on your driving record. Are you a good driver? Have you been accident-free within the past five years? If you said yes to both of these, then you probably qualify. Often times, this is the biggest discount you can get, up to 25 percent or more off of what your total payment would be. Maybe you got into a little fender bender in the past five years. It is still possible to receive discounts, depending on whether your insurance company provides Accident Forgiveness and what their stipulations are with that. Another way to save on your auto insurance depends on the type of safety equipment in your car. Do you have air bags? Front seat air bags provide a discount and full-front seat air bags might even provide you more. Have anti-lock breaks? Have an anti-theft system or daytime running lights? You guessed it. All of these provide potential for a little extra cash in your pocket.

Often times if you stick with a provider instead of switching, they will reward you with some discounts. Another way to save is if you buy in bulk – if you have multiple cars, put all of them on the same auto insurance and receive more bang for your buck. They consider both of those to be a type of loyalty, and every smart business is good to a loyal customer. And smart companies reward smart people too. If you’re a high school or college student who is enrolled full time, you can receive some discounts if you get a “B” average, usually. If you take some driving courses, like the defensive driver course or driver’s education, you are eligible to save too. Lastly, if you’re a member of the military, you’re probably going to get some form of a discount and it could possibly depend on your rank.

So before locking yourself into an auto insurance plan, explore what discounts are available. Inquire with the insurance company themselves and discuss some ways that you can have your auto insurance lowered. It never hurts to ask.