Get the most out of your car insurance coverage with discounts on auto insurance. Request a quote and find out how to combine several policies or drive safely. A safe driver discount may be offered to drivers who have a clean driving record for a specified period of time. The safe driver discount is sometimes referred to as a good driver discount, a no-claim car insurance discount, or a no-claim discount.
Ask your local independent agent or a Travelers representative for details on how much savings you might qualify for. Actual savings vary depending on driver performance and the specific features of each program, and range from that initial 10 percent discount to approximately 50 percent. Allstate reports that 50 to 60 percent of all drivers in its Drivewise program get safe driving benefits beyond the initial discount. Policy discounts are discounts offered by insurers to retain you as a customer.
Driver discounts are offered to drivers who pose a relatively low risk to their insurer based on characteristics such as age, driving history and annual mileage. In addition, there are discounts on vehicles for drivers who have additional safety technology in their car. High-performance car owners can silence the penalty that comes with insuring an ultra-powerful car if they drive with a foot as light as a feather. Customers who have taken out car insurance on an ongoing basis with Travelers with no interruptions in their coverage may be entitled to a discount.
A driving record is one of the important factors that insurance companies consider when determining their car insurance premium. For example, California requires insurance companies to offer at least a 20% discount to all drivers who have been continuously insured for at least three years and who have one point or less on their driving record. The coverage options and the deductible you choose also play an important role in determining the costs of car insurance. Most states require auto liability insurance for personal injuries and property damage, which covers the cost of damage and injuries caused by the accidents you cause.
The 10 largest insurance companies offer discounts for multiple policies, and the requirements are generally the same among insurers. For example, drivers can get a discount of up to 15% if they insure a car that is three years old or younger. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers. When you buy a new car or own a car that's less than three years old, you may qualify for a new car discount.
Four of the 10 largest insurance companies offer passive restriction discounts, and the requirements are generally the same among insurers. You can get a discount for driving defensively on car insurance if you complete an approved driver education course. When it comes to finding cheap car insurance, comparing quotes from multiple providers is a proven strategy that's hard to beat. Comprehensive insurance protects your car from environmental damage, vandalism, and collisions with animals or parked cars.