The following will detail some additional discounts that may apply to your auto insurance already. Discover some additional options that may cause your premium to decrease even further. As with most auto insurance companies the more accidents you have been in or tickets you received the greater your insurance premium. If you have a good driving record then your premium will start out low. If you obtain multiple policies from one company such as auto and homeowner policies then you may automatically qualify for additional discounts.
There are other tips and tricks that can get you even more discounts that many individuals may not be aware of. The type of college degree you have can lower your car insurance as it was found that individuals with a bachelor’s degree in engineering have fewer risks then other individuals. 21st century group offers additional discounts on your auto insurance if you have a degree in mechanical engineering, mathematics, biochemistry and other engineering and scientific fields. Scientists and engineers with no accidents or tickets can save 10 to 30 percent from the base rate.
Other industries are associated with lower risks and this includes teachers and farmers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should check with your company if you are an educator as you may be entitled to an additional discount on you auto insurance. Some insurance companies may only give discounts if you are a college professor or certified in a specific state, but it is worth a shot to check.
Geico offers a special military auto insurance discount for active and non-active members. A military member can save between 2 to 15 percents through Geico. Geico offers a special discount if you have a stored vehicle and are receiving hostile-fire pay. They also will drop your coverage to the minimum if you are sent over seas and put your vehicle in storage. Geico is very proud of supporting the military.
AARP members can also get discounts of up to 45% on their car insurance through Hartford’s AARP Auto Insurance Program. They offer specific discounts on multi-policies and multi vehicle policies and additional discounts if you have held insurance with them for more then 5 years. Basically the longer you are with the company the more discounts you will receive.
It is also possible to get a 10% discount from MetLife is they complete an online course from the National Safety Council. The courses offered can all be taken online or you can order the course in a kit. All of the courses are based on the NSC’s defensive driving course. Participating in a defensive driving course is a great way tot drop points from your insurance, particularly if you have received many tickets or been in an accident.
It will take some additional research to determine if any of these additional discounts apply to you. You should have all of your questions if front of you and then speak with an insurance agent, as the online quotes will not include this additional information. By taking the extra time and thoroughly researching each company you may be able to lower your insurance premium quite significantly.
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