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Auto Insurance Discounts: Questions #4-#6

Date: Aug 03 2009
Filed In: Auto Insurance101

Question #4: What about my Defensive Driving or Driver Education?
Most auto insurance companies offer a discount for taking defensive driving. Percentages vary between insurers. Regardless, if you’ve taken a driver safety course recently, then make sure your company gets a copy of the certificate.

Question #5: Do you have a discount for my job (teacher, engineer, etc.)?
Car insurance is a numbers game. Actuaries sit behind desks with calculators and reams of data to determine which people have lower risk versus other people. Each car insurance company does it differently – but some companies have determined your job can lower your risk for an accident. Ask your potential insurer if your job gives you better rates.

Question #6: Do you offer discounts for staying with your car insurance company?
Auto insurance companies love long-term customers. In fact, they love them so much, they offer discounts to keep them. Companies call it a longevity discount. The longer you’re insured with somebody, the more discount you can accrue. This one is tricky – sometimes you can lose longevity discounts if you have too many at-fault accidents or tickets. So be careful.

9 Questions To Ask When Getting a Quote:
Auto Insurance Discounts: Questions #1-#3
Auto Insurance Discounts: Questions #4-#6
Auto Insurance Discounts: Questions #7-#9

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