Everyone knows that driving safely, maintaining good credit, and doing well in school can help you get better car insurance rates. But what are some of the best auto insurance discounts out there? Here are seven top discounts that could help you save up to 50% on your car insurance:
1. **Safe Driver Discount**
Many insurance companies offer big discounts to drivers with a clean record. This typically means no accidents or traffic violations in recent years. Some insurers also lower your collision deductible for every year you stay accident-free, while others might even give you a refund on part of your premium if you avoid accidents during your coverage period.
2. **Good Student Discount**
Car insurers usually offer good discounts to full-time students aged 16 to 24 who maintain a decent grade point average (GPA). Keeping your grades up could save you 10 to 20% on your policy.
3. **Senior/AARP Discount**
Insurance companies often provide better rates for safe drivers who are 50 or older, including AARP members. These discounts can be around 10%, with some providers offering up to 20% off.
4. **Discount for Drivers Above 25**
Once you turn 25, you might see a drop in your insurance rates because of more mature and safer driving behaviors. Many companies offer about 10% off premiums for drivers who reach this age.
5. **Military Discount**
If you’re in the military, either on active duty or retired, you might be eligible for significant discounts on your car insurance, often between 10 and 20%. This also applies to National Guard members and Reservists. USAA, for example, caters exclusively to military members and their families, offering very competitive rates.
6. **Federal Employee Discount**
Federal government employees can often get around 10% off their car insurance premiums, with some companies offering even higher discounts.
7. **Multiline Discount**
If you have multiple insurance policies with the same provider, like home and car insurance, you can get a multiline discount. These savings can range from 10 to 30%, depending on how many policies you combine.
Make sure to take advantage of these seven top insurance discounts to save money on your auto insurance. There are plenty of other valuable discounts available, so talk to your insurance provider to find out which ones you qualify for.