Image: morguefiles.com

Policy holders can get up to 10% off of their premiums by driving safely without any moving violations or accidents (no-fault) over a time span of three years.

But driving safely has other benefits too: unnecessary hassle, wasted time, and money. A speeding ticket involves lots of legwork and sorting things out. And if you don’t go to traffic school to stop it from being reported to the DMV, your insurance rates will go up.

Driving safely is the easiest way to help your car insurance rates go down, but there are other discount plans that aren’t as well known. You may be able to save some substantial cash over the long run by asking your insurance agent about these discounts.

Monitoring Device Discount


Some car insurance companies are now offering optional small electronic devices that can be installed inside the passenger compartment to monitor the car's speed, distance, and other driving factors. By signing up for these programs and the tracker, insurance companies can check on vital data about driving habits.

The result of all this is a possible discount on your insurance premiums if your stats look good.

Umbrella Discount


If you’ve got more than one car in the household, you may be eligible for a discount on your insurance premiums if you sign all your vehicles under one car insurance carrier.

You can also realize more savings if you have all your insurance needs under one company by signing up your auto, home, renters, and life insurance with them.

Defensive Driving Course Discount


Some insurance companies offer their customers a discount if they sign up and complete a driver’s safety course successfully. The discount may allow you up 5% off of your premiums.

Good Student Discount


For students who have good grades they’ll be rewarded with a discount on their insurance payments. Each insurance carrier has different policies regarding this, or may not have this sort of program at all, so check with your insurance agent to find out. You may be able to save up to 25%!

Ask


It doesn’t hurt to ask your insurance agent about available discounts. A good many of them will keep you informed about this, but there are others that are only concerned with making sure you make your payments and nothing else.

Call your agent up and find out what discounts available to you; you may come out ahead.

Source: Motor Trend

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