Guide to Car Insurance Discounts

Auto coverage discounts are one way to save a potentially large amount on your premium cost. Most insurance companies offer them and you already qualify for some. All you need is the best insurance company to make the most of each discounts you deserve. Discounts offer savings on your bill based on your individual circumstances.

Most people have a little sticker shock when they first see their proposed car insurance bill. You are not alone if you believe you are paying too much for your policy. When you dig a little deeper — and most of all, compare different companies — you can find ways to start decreasing that bill. The first step is finding the right insurance agent who will help you from beginning to end to find a policy that meets your needs and your budget, which is precisely what the agents at Acceptance will do for you.

There are many different types of car insurance discounts — something for everyone. Are you a new customer? Have a new customer discount! Are you a returning customer? Here’s a customer loyalty break on price. As you can see, they run the gamut. Here are some of the more popular ones with an average percentage off.

There are many more discounts available and remember, new discounts come up or your circumstances may change. Be sure to stay in touch with your agent if this happens. For example, if you start working from home, you may become eligible for a low-mileage discount worth 5% off on average.  Insurers may limit discounts despite eligibility, which is why the company you choose to affordably protect you is an important decision.

Discounts are a great way to get started on reducing your premium, but there are numerous other ways you can lower your car insurance.

• Policy levels: Adjust your policy coverage levels down to save money and up when you want greater protection and have more room in the budget. For example, in Texas you must carry bodily injury/death liability of at least $30,000 per person and $60,000 per accident and property damage liability of $25,000. These are the minimum amounts you must have by state law, but you can always increase those levels up for great protection.
• Deductibles: If you have anything above basic liability, you can adjust your deductible. The higher your deductible, the lower your premium. Most people carry a $500 deductible. Raising that up to $1,000 will lower your monthly cost.
• Type of Vehicle: The type of vehicle you drive has a large bearing on your premium. More expensive cars that cost more to repair or sporty cars that may be driven in an unsafe manner (not to mention being a target for thieves) are more costly to insure than a reliable sedan with a high safety rating.
• Shopping Around: You can switch insurance companies anytime you want. Sometimes, shopping around for a new insurer will give you a noticeable break in your premium. Look for an independent agent who can help you shop and compare different insurers.

Maintaining a clean driving record is the best way to keep your rates in check. Ask your friendly, knowledgeable Acceptance agent for ways you can save money on your policy.