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Auto Insurance Discounts: Questions #7-#9

Date: Aug 03 2009
Filed In: Auto Insurance101

Question #7: I’m a student or college graduate. Does that count for anything?
It depends. Many high school and college students get a discount for maintaining a 3.0 GPA. That’s good news for good students. Plus, sometimes college graduates get an additional discount for the sheepskin on the wall. Every company is different, but it’s worth asking if you spent time in school.

Question #8: Can I get a discount for my student away at school?
If you have a child who is rated on one of your vehicles, and they are at school – not driving the car – you could be eligible for a discount on your car insurance. Talk to your agent when they quote your auto insurance. Make sure you’re not paying for your student who isn’t driving the car.

Question #9: A ‘Secret’ Discount – Can I get credit for the months I don’t drive?
If you put your car in storage for part of the year, your auto insurance company may be able to suspend most coverages on your auto policy. For instance, you may live in Arizona during the winter, but you leave a car back in Minnesota. Make sure you call to request suspension of coverage for the Minnesota car. Some insurers will grant the request – if they don’t, you may consider shopping around for one that does.

There are other discounts available for newer cars, or cars with special safety features. However, you usually don’t have to ask about those. Typically the company will rate a vehicle-specific discount when you provide the year, make, model & VIN. Now that you’re armed with the discounts available, go get a better rate on your auto insurance.

Did I miss any big discounts?
Leave a comment if you’re getting a different one and which company you have.

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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