Helping You Find the Best Ways to Save on Car Insurance

There is no denying that car insurance can be expensive, but the fact remains that having a minimum amount of auto insurance is necessary in all states. Many factors come into play when it comes to determining the cost of your auto insurance premium. Some of these include your age, gender, driving history, location, and even your credit score. Regardless of these factors, however, just about everybody can find ways to save on their car insurance by researching and taking advantage of car insurance discounts, which are offered by most companies on the market today.

Below are a number of common auto insurance discounts that you may wish to ask any insurance company about your eligibility for if you plan on switching to a new company or receiving quotes in the near future.

• Good Student Discounts

These are often offered for those who are enrolled at least half time at an accredited school or college and have a 3.0 or "B" average.

• Anti-Theft Discounts

You may be eligible for this particular discount if you have a car that is equipped with special safety or anti-theft devices. This may include an alarm, GPS tracker, or any other installed device that deters theft.

• Bundling Car Insurance Discounts

If you have more than one insurance policy with the same company, you may be entitled to a significant discount as a result. Rather than carrying separate policies with different companies, you may consider bundling your home, car, and RV insurance together to save money.

• Senior Auto Insurance Discounts

Most auto insurance companies these days offer substantial discounts to senior-aged drivers. If you are over the age of 60 and hold a valid driver's license, you may eligible.

• Pay-in-Full Discounts

Many car insurance companies have begun to offer savings of 10% or more off one's total policy premium for those who pay in full as opposed to monthly. Furthermore, some companies will lower the rates of those who continuously make their insurance payments on time.

• Loyal Customer Discounts

Sticking with one car insurance company can pay off big time in the long run, believe it or not. Ask your company if they begin to offer discounts after you have been a policyholder for a certain number of years.

• Low Mileage Discounts

If you drive your car less than 12,000 miles per year, then you may be eligible for a substantial discount on your policy. Just be prepared for the insurance company to ask for regular odometer readings to ensure that you are being truthful about your mileage.

• Auto Club and Organization Discounts

If you belong to a special auto club or other participating organization, you could be entitled to savings on your car insurance and other general insurance discounts. Gather a list of organizations that you belong to and then ask your insurance company if any of them make you eligible for the discount.

• Safe Driver Discount

This particular discount varies from company to company, but most drivers who have not have a claim or a serious traffic violation in a certain number of years can be eligible for savings off their policy premiums.

• Renewal Discounts

In terms of general insurance discounts, many companies will offer a small amount of savings when you renew just to show that you are a valued customer and to keep you with the company.