Common Car Insurance Discounts for 2023
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 2, 2023
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UPDATED: May 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Car insurance can be expensive, but there are ways to save money on your premiums. One of the most common ways to do this is by taking advantage of car insurance discounts. In this article, we’ll take a closer look at the common car insurance discount, including what it covers, who is eligible, and how to qualify for it. By the end of this article, you’ll have a better understanding of how the common car insurance discount can help you save money on your car insurance premiums.
What the Discount Covers
The common car insurance discount is a type of discount that is available to almost everyone. This discount typically covers a range of different things, including:
- Safe driving: If you have a clean driving record and haven’t been involved in any accidents, you may be eligible for a safe driving discount. This discount rewards drivers who have a history of safe driving.
- Defensive driving: Taking a defensive driving course can also help you qualify for the common car insurance discount. These courses teach you how to be a safer driver and can help reduce your risk of being involved in an accident.
- Multiple cars: If you have more than one car on your insurance policy, you may be eligible for a multi-car discount. This discount rewards drivers who insure multiple cars with the same insurance company.
- Good grades: If you’re a student, maintaining good grades can help you qualify for a good student discount. This discount is available to students who maintain a certain grade point average and can help reduce the cost of car insurance for young drivers.
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Who is Eligible for the Discount
As we mentioned earlier, almost everyone is eligible for the common car insurance discount. This discount is typically available to drivers who meet the following criteria:
- Have a clean driving record: To qualify for the safe driving discount, you’ll need to have a clean driving record. This means that you haven’t been involved in any accidents and haven’t received any traffic violations.
- Have taken a defensive driving course: If you’ve taken a defensive driving course, you may be eligible for the common car insurance discount. These courses teach you how to be a safer driver and can help reduce your risk of being involved in an accident.
- Insure multiple cars: If you have more than one car on your insurance policy, you may be eligible for a multi-car discount. This discount rewards drivers who insure multiple cars with the same insurance company.
- Maintain good grades: If you’re a student, maintaining good grades can help you qualify for the good student discount. This discount is available to students who maintain a certain grade point average and can help reduce the cost of car insurance for young drivers. It’s worth noting that the specific eligibility requirements for the common car insurance discount can vary depending on the insurance company. Some insurance companies may have additional requirements or offer different types of discounts, so it’s always a good idea to check with your insurance provider to see what discounts you may be eligible for.
Other Types of Car Insurance Discounts
While the common car insurance discount is one of the most widely available discounts, there are many other types of discounts that may be available to customers. Here are a few examples:
- Bundling discounts: Some insurance companies offer discounts to customers who bundle their car insurance with other types of insurance, such as homeowners insurance or renters insurance.
- Low mileage discounts: If you don’t drive your car very often, you may be eligible for a low mileage discount. This discount rewards drivers who drive less than a certain number of miles per year.
- Pay-in-full discounts: If you pay your car insurance premiums in full rather than on a monthly basis, you may be eligible for a pay-in-full discount.
- Occupational discounts: Some insurance companies offer discounts to customers who work in certain professions, such as teachers or first responders.
How to Qualify for Other Discounts
The specific eligibility requirements for other types of car insurance discounts can vary depending on the insurance company. However, there are a few things you can do to increase your chances of qualifying for these discounts:
- Shop around: Different insurance companies offer different types of discounts, so it’s always a good idea to shop around and compare quotes from multiple providers.
- Ask your insurance provider: If you’re not sure what discounts you may be eligible for, don’t be afraid to ask your insurance provider. They can provide you with more information about the discounts they offer and how to qualify for them.
- Maintain a good driving record: Many car insurance discounts are based on your driving record, so maintaining a clean record can help you qualify for more discounts.
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In Conclusion: Common Car Insurance Discounts
Car insurance discounts can be a great way to save money on your premiums, and the common car insurance discount is one of the most widely available discounts out there. By taking advantage of this discount and others that may be available to you, you can reduce the cost of car insurance and keep more money in your pocket. To ensure you’re getting the best possible deal on your car insurance, it’s always a good idea to shop around and compare quotes from multiple providers.
Frequently Asked Questions
Can I stack car insurance discounts?
In most cases, you can only use one car insurance discount at a time. However, some insurance companies may allow you to stack certain discounts, so it’s always a good idea to check with your provider.
How much can I save with car insurance discounts?
The amount you can save with car insurance discounts varies depending on the insurance company and the specific discounts you qualify for. However, it’s not uncommon for discounts to reduce car insurance premiums by 10% or more.
Do I have to renew my car insurance policy to keep getting discounts?
In most cases, you’ll need to renew your car insurance policy each year to continue receiving discounts. However, some insurance companies may offer discounts that are valid for multiple years.
Can I still get car insurance discounts if I have a poor driving record?
It depends on the specific discount and the insurance company. Some discounts, such as the good student discount, are not based on driving record, while others, such as the safe driving discount, require a clean record.
What are some common car insurance discounts?
Common car insurance discounts may include safe driver discounts, multi-policy discounts, good student discounts, low mileage discounts, and discounts for vehicles equipped with certain safety features.
How can I qualify for a safe driver discount?
You may be able to qualify for a safe driver discount if you have a clean driving record with no accidents or violations. Some insurance companies may require a certain number of years without any accidents or violations before you can qualify for the discount.
What safety features can qualify for a car insurance discount?
Safety features that can qualify for a car insurance discount may include anti-lock brakes, airbags, automatic seatbelts, and anti-theft devices. Vehicles equipped with these features may be less likely to be involved in accidents or stolen, which can result in lower insurance premiums.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.