14 Ways to Qualify for Auto Insurance Discounts

Often, auto insurance companies will offer discounts on premiums if you meet certain criteria.

The following is a list of things that may help keep your insurance premium lower. It is in their best interest for insurance companies to have "good" drivers buy their policies because these good drivers will be less likely to get into accidents that will cost the insurance company money. You should try to take advantage of the incentives in price a company may offer you.

Ask your provider if you can receive discounts for the following:

1) No accidents in the previous 3 years. The better driving record you have, the lower the price you pay for auto insurance.

2) No moving violations in the previous 3 years. Drivers with fewer tickets can often get lower premiums.

3) Drivers between 50 and 55 years old often can get better rates because they are seen as more experienced drivers.

4) Driver training or defensive driving course.

5) Good grade discount for students

6) Having airbags in your vehicle.

7) Anti-lock brakes. The safer your car is, it is possible that you will be given a discount on auto insurance. Anti-lock brakes may help prevent personal injury, just like having airbags. Insurance companies like these components in cars they insure.

8) The same goes for daytime running lights. These lights may make you more visible to other drivers, decreasing the possibility of accidents.

9) Anti-theft devices. Auto insurance companies want you to deter theft of your vehicle so they do not have to write a big check to replace your stolen car.

10) Long time customers can often get a rate reduction for loyalty.

11) Low mileage on your vehicle. If you aren't on the road that often, it is less likely you will get into an accident.

12) If you have more than one car insured with the same company you may qualify for lower premiums.

13) If you raise the deductible you have to pay your car insurance company, rates may go down also.

14) Buying auto insurance from the same insurance company that provides your home insurance may be the cheapest way to go.

Remember, it never hurts to ask for a discount. You may get lucky.