Insurance Center

Here are the top 10 discounts you can obtain and why.

1. Buy other policies with your car insurance carrier
Holding various policies with one car insurance company will assist you in obtaining a discount.

2. Good Driver Discount
Generally if you have been licensed for the previous 3 years, have not had more than one violation point and were not in an at-fault accident that resulted in death, total loss, or damages exceeding $500, then you qualify for a Good Driver Discount.

3. Profession Discount
This is a car insurance discount offered to various professional groups such as engineers, scientists, teachers, or doctors to name a few.

4. Renewal Discount
The longer you have been with a car insurance company, the more profitable you are to them.

5. Persistency Discount
This is a small discount offered for people who have had consistent insurance without a lapse in coverage.

6. Student Discount
The student discount is a discount that usually applies to persons under the age of 25.

7. Theft Recovery or Deterrent System
This is a discount off of your comprehensive car insurance coverage for having an alarm or theft recovery system.

8. Multi-Vehicle discount
Having more vehicles than you have drivers will assist in obtaining a lower rate.

9. Mileage Rating
If you drive less than 12,000 miles per year your premiums will typically decrease.

10. Passive Restraints or Airbag Discounts
Buying a vehicle with various airbag or restraint systems usually gets a discount.