Lower Your Car Insurance Premiums: Apply for Discounts and Special Offers

There are some car insurance companies that will offer various discount auto insurance incentives to lower your car insurance premiums if you qualify.

However, rate isn't everything when comparing auto insurance rates. When you start calling around and inquiring about auto insurance rates, be sure to know what you want in a policy beforehand. While the lowest rate offered can be attractive, it may not turn out to be what you need in the long haul.

Evaluating Your Car Insurance Needs

Before calling a company to inquire about discounts, ask yourself what you need in a policy and what your budget is. Be prepared to offer the agent personal information, such as where you went to college, if you have good credit, and if you're married. By offering some of this information to the agent, you might be able to save on the policy.

Auto Insurance Discounts and Special Offers

Of course, your car insurance premium depends largely on your driving record. If you have a good driving record, you'll qualify for a lower rate than someone that's been in several accidents, since you're less of a liability to the insurer.

That being said, there are sometimes ways to get discounted auto insurance rates. Make sure that when you are contacting various auto insurance companies, you ask about these opportunities. Discounts may be available if:

• You are a senior: If you are 55 or older, you may be eligible for a discount.
• You graduated from a participating college/university: Some car insurance agencies offer discounts to those who have graduated from participating colleges and universities.
• You have good credit: If you have a high credit score, it is possible you'll qualify for a lower rate.
• You hold a qualified profession: Some car insurance companies offer more competitive rates to those in certain professions (such as those in the medical field or veterans).
• You live in a certain area: Depending on your location, you might qualify for certain discounts.
• Your car has a security system: If your car has an alarm or a security system, you may be eligible for a premium discount.
• Your car is stored indoors: If your auto is stored in a covered garage or a carport, your premiums might be lowered.
• You're a student: If you're currently in college or have a child in college, you or your child may qualify for a student discount.
• You're married: If you are married and there is more than one vehicle in the household, both you and your spouse may qualify for a discount if both vehicles are insured.

When you're shopping for a car insurance policy, be sure to contact a reputable agency. Also, shop around and check with more than one agency for the best policy to fit your budget and needs. Be sure to ask your agent if there are any additional discounts for which you might qualify. Be prepared to share pertinent, but personal information that could save you money in the end.