When looking for cheap auto insurances, you need to keep in mind the many discounts are offered by insurance agencies. Typically, your insurance agent will ask you a variety of qualifying questions to see if you can receive any discounts on your car insurance. Sometimes you need to ask what discounts you can receive so you get cheap auto insurance. Some of the most common discounts are outlined below.
Air Bags Discount
If the driver’s side of the car has an air bag, you can receive an additional discount on your auto insurance. Sometimes, depending on the insurance agency, the insurance will be discounted even more if there are both driver and passenger air bags. This is good news for you as cheap auto insurance is on the way.Accident-free Driving Record Discount
Insurance agencies will offer cheap auto insurance if you have never been involved in an accident. Any accident, even a minor fender-bender, may keep you from receiving this cheap auto insurance. If you have experienced an accident, it’s not the end of the world. Normally after three years, the accident is cleared from your record and insurance agencies will no longer show an accident report when checking your driving record. After the accident is cleared from your driving record, you may again qualify for an accident-free discount and receive cheap auto insurance.Automatic Restraints Discount
One thing you should not forget about is safety features on the car. If the car has automatic seatbelts it may qualify for cheap auto insurance. One of the biggest safety features is the anti-lock brake system (ABS). If your vehicle has this feature you can receive a discount on your insurance. Cheap auto insurance discounts are also available for traction control systems. These systems help maintain road position and keep the wheels from slipping during deceleration or acceleration.Anti-theft Devices Discount
As insurance agents ask questions about your vehicle’s safety, you should remember and consider anti-theft devices as a way to cheap auto insurance. Power-locks on your vehicle qualify you for cheap auto insurance. Alarms that sound when a car is burglarized are important to have, and give you an additional discount. Other anti-theft devices qualifying you for cheap auto insurance include tracking devices and hidden kill switches. Tracking devices transmit signals to local police departments to help them find missing or stolen cars. Hidden kill switches are designed to cut the electrical power from your car’s battery so the car won’t start. These and other anti-theft devices are good to have and help you in finding cheap auto insurances.Multi-car Discount
If you insure more than one car with an insurance agency, generally you’ll receive a multi-car discount. Depending on the number of vehicles you want insured with a particular company, and the type of insurance coverage, you are entitled to discounts providing you with cheap auto insurance.Good Student Discount
Teenage drivers make the price of insurance premiums go up. If you have teenager drivers in your home, make sure they are doing well in school because they may help you obtain cheap auto insurance. If you are a college student, you may also receive a discount for being a good student. Typically, auto insurance agencies offer cheap auto insurance to those students with a 3.0 GPA or above. Make sure you ask about this discount when talking to an insurance agent.Discounted Rates For Insuring Your Home
If you insure your home through the same insurance agency as your car, you usually get an additional discount. Most insurance agencies deal with health, life, home-owners and car insurance. If you are signed up with any of the other types of insurances, other than car insurance, you can usually receive a discount on your car insurance, allowing you to have cheap auto insurance.Other discounts may apply. Insurance agents will usually go through the list of discounts that you may receive depending on your driving record and your vehicle’s standard safety features. Remember to ask your insurance agent for any additional discounts that may help you obtain cheap auto insurances.
John Ivie