Tips to Help Get Car Insurance Discounts

Car insurance discounts are no myth—they do exist. You could be sitting on more than half a dozen opportunities to save money on your auto insurance premiums without even realizing it. To help get you started, we've rounded up seven ways to help cut down on car insurance costs.

A young man sitting in a red convertible.

Go for the multiple-policy discount. Insurance companies sometimes help you save money by offering multiple-policy discounts to their customers. This means, you may qualify for a discount if you have your renters or homeowners insurance policy at the same company as your auto insurance policy. If you have auto insurance at a different company than your renters or homeowners insurance policy, your first step should be to consider getting them all through one company to help maximize your savings.

Be a safe driver. For some people, becoming a safe driver can take time, patience and practice. For others, it's easy. However you get there, achieving the status of "safe driver" is something that can pay off where your insurance premiums are concerned. In fact, it's not unheard of to see discounts totaling as high as 45 percent if you keep your driving record clean.

If you're a student, keep your grades up. Offering evidence that getting good grades isn't just a way to keep your parents happy, auto insurers frequently offer discounts to young drivers who are able to maintain B averages on their report cards. This doesn't just apply to teenagers in high school. Some insurers offer discounts for full-time students under the age of 25.

Drive a safer car. The better your car is equipped to keep you safe from harm, the bigger the savings you're likely to see on your car insurance bill. For example, did you know that driving a car with a passive restraint system (airbags and self-retracting seatbelts) can score you discounts at some companies?

Make sure your car is equipped with ABS. Having an anti-lock brake system makes it easier for you to handle sudden stops, and it keeps your brakes from locking up. The end result is keeping your car safely on the road—and you could save about 10 percent on your car insurance premiums.

Install an anti-theft device. If your car isn't already equipped with an anti-theft device, consider the benefits of having one installed. Yes, it will be a major deterrent against theft and even vandalism. But, what's even better is that by having an anti-theft device, you may automatically qualify for yet another discount from some insurers. In some cases, it can even shave about 10 percent off your premium.

Early signing discounts. Yet another area where you can save money on car insurance is by not waiting until your policy's expired to renew or switch to a different auto insurer. Waiting until the last minute is not a good idea because you never want to be without insurance, not even for 24 hours. Instead of waiting until the last minute, get a head start by renewing or switching early. Many auto insurance companies offer discount incentives for early signing, potentially knocking off another 10 percent off your bill.

There are plenty of ways you can save on car insurance, and numerous discounts that you can take advantage of. If you think you qualify for some of the above discounts, contact an agent in your area to start saving money.

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Published: December 2012

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2013 Allstate Insurance Company, Northbrook, IL.

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