Nearly every insurance company claims they can offer the cheapest rates and the most discounts on your auto insurance. Details matter, however, and while one policy may offer the steepest savings on your premiums, it is important to always compare several plans to ensure you are receiving the best deal.
One discount that some people can overlook is the savings realized for those who own their house, condo or mobile home. Renters simply pay more for home insurance than owners. This is because rental units have statically higher crime than single-family dwellings and neighborhoods.
Keeping a good driving history is also important to reap the rewards of auto insurance discounts. Drivers who do not have a history of accident claims or serious traffic law violations will pay far less for auto insurance than someone with a stack of wrecks in their past. Just one serious violation, such as driving while intoxicated, can significantly increase your auto insurance premium.
Having more than one car, truck, SUV or minivan on your policy can make you eligible for a multi-vehicle discount. Similarly, purchasing your auto insurance from the same provider that insures your home will often reduce your premiums as well.
If you have any drivers in the home who are still taking high school or college classes, you could find additional savings if they earn sufficient grades. Encourage your student to pull in those A’s and B’s and you may be able to receive a “good student” discount.
Some insurance companies even offer discounts for completing driving safety courses, or for driving fewer than a limited number of miles.
Knowledgeable, independent agents at Benchmark Insurance can help you compare these discounts and coverage options. We are able to locate you a variety of quotes from a number of providers, ensuring the auto policy you choose offers the best coverage with the most savings. Contact us to find out how you can obtain the perfect auto and home insurance policies.
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