Overlooked Discounts That Could Lower Your Auto Insurance Premium

Many drivers pay more than they need to for auto insurance simply because they’re unaware of the discounts available. Asking your provider about lesser-known savings could help trim your premium without reducing your coverage.

What Are the Different Types of Auto Insurance Discounts?

Ask your insurance provider if you’re eligible for any of the following auto insurance discounts:

• Low-mileage discount—Driving less than the average miles per year may qualify you for a discount. Insurers consider fewer miles a lower risk of accidents.

• Good student discount—Students who maintain a high GPA can often earn a lower rate. This is based on statistics showing that high-achieving students are typically safer drivers.

• Defensive driving course discount—Completing a state-approved defensive driving course can show you’re proactive about staying safe on the road, which may result in a lower premium.

• Affinity or group discounts—Membership in some professional organizations, alumni groups or unions can unlock exclusive discounts. These aren’t always publicized, so it’s worth asking about them.

• Multi-policy discount—Bundling auto insurance with homeowners or renters insurance often triggers a rate reduction.

• Vehicle safety feature discount—Cars installed with anti-lock brakes, airbags or anti-theft systems may qualify for lower premiums due to reduced risk factors.

• Electronic payment discount—Choosing automatic payments or paperless billing may earn a small discount.
• Occupation-based discount—Some insurers offer reduced rates for individuals in specific careers, such as educators or government employees.

Auto Insurance Agents in Sapulpa, OK

Contact Bayouth Agency today for more information on auto insurance. Our agents can help you find ways to save on premiums.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.