subject: Discount Car Insurance - Give Your Budget Some Slack [print this page] As every budget-juggling parent know, car insurance can cut a large chunk in our savings, that is why learning a great deal about the matter would be to your advantage. No one would be opposed to getting some type of discount in their car insurance. And there is actually a lot that is offered. A lot of car insurance discounts are now being offered. If you're thinking of buying a car, a lot of the newer cars have a lot of discounts on their insurance, more so than the older vehicles. Here are some of the discounts in car insurance that are being offered in the market.
Multiple Policy Discount. This kind of discount is regularly offered by car insurance companies, and yet not a lot of people take up the offer. A discount of as high 15% can be obtained from selected companies.
Good Driver Discounts. Insurance companies give better premium for drivers with superb driving records. These people don't cause them too many expenses and helps their company as a whole.
Auto Safety Features Discount. Insurance companies give lower rates to vehicles with airbags and seatbelts. Other features such as anti-lock brakes and anti-theft devices also lower insurance rates. Give your car's identification number to the one in charge of your insurance so that they can take that into account when they're tallying up your premiums.
Young Driver Discounts. A considerable discount could be obtained by young drivers who are still in school, there are a number of companies who give this discount to people with at least a 3.0 grade point average. Another discount that is commonly offered to young drivers is the drivers training discount. There are some companies that offer both discounts, if you can find one of those then go ahead and grab the opportunity.
Senior Citizens Discounts. Retirement discounts are offered to individuals who are 55 years old or older and retired. There are even some companies who automatically give the discount to housewives who are at least 55 years old. Another kind of discount is called the mature driver discount, these are given when they have passed a driving course.
Lower Tort Option. A limited or lower tort option is enforced in certain states. This is means you can take the person who caused you injury to court. Twenty percent or more is a significant increase on your premium, but lowering your tort option also means that you'll restrict your right to sue the person who rammed his car onto yours. Your insurance company ought to know what tort laws govern your state, ask them.
by: Bill Heath
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