Prefer to talk to someone? Call a licensed agent: 1-855-289-9175
Get Personalized Car Insurance Quotes

Valid zip code required


Please enter valid age between 16-100.


Please select your current insurer.

Shop - Auto insurance comparison shopping made easy!
Get matched instantly with up to 20 insurers in your area. Shopping made easy.
We suggest choosing at least 3 companies to find one that works best for you.
Comparison shopping can save you hundreds of dollars or more.

神州斯斯cc18tv手机版-Insider’s guide to auto insurance discounts

One way auto insurance companies compete for your business is by offering an array of discounts.

With the wide range of discounts available, chances are you’re eligible for at least a discount or two. But how much can you really save? We decided to find out. In an extensive study, we gathered price breaks for auto insurance discounts among large car insurance companies. 

Our car insurance discounts tool identifies your potential discounts based on your personal factors and where you live.

lutuber老司机-Average discounts

A few discounts stand out as often being big money-savers. Discounts based on being a good student, marital status and low annual mileage ranked highest for average percent off, when offered. But discounts vary considerably; we observed discounts much higher (some topping 25 percent) and some much lower than the averages shown below.

Average discount savings (nationwide)

  • Student away at school -- 14%
  • Bundling auto and home -- 11%
  • Bundling auto and condo -- 10%
  • Good student -- 7%
  • Bundling auto and rental -- 5%
  • Defensive driving course -- 4%
  • Married -- 3%
  • Loyalty -- 3-4% depending on years
  • Telematics -- 3%
  • Homeowner -- 2%
  • Low-mileage -- 2%
  • Driver training -- 1%
  • Anti-lock brakes -- 1%
  • Airbags -- 1%

日本一本2017国产-Shop around to save on auto insurance

          Auto insurance discounts vary by company and state. One company may offer a 10 percent discount on bundled policies in one state, but might provide a 15 percent discount in another state. 

          Even within states and companies you can find big differences. So, it's critical that you compare multiple insurers and policies. Get a quote for the same type of policy with all of the discounts for which you're eligible. 

          Let's look at the differences for low-annual mileage discounts in California for six companies. Overall, auto insurance policies in California average more than a 9 percent discount for low-annual mileage discounts. That's an average of $182 per policy. That's much more generous than the average national low-annual mileage discount (2.2 percent).

          Here's how six companies compare for low-mileage discounts in California: 

           Company   Avg premium before discount Avg discount by dollars Avg discount by percentAverage premium after discount
           Allstate  $1,794  $133  7.4% $1,661
           AMCO    $1,995  $247  12.4% $1,748
           Farmers  $2,358  $264  11.2% $2,094
           GEICO   $1,354  $76  5.4% $1,278  
           State Farm  $2,174  $235  10.8% $1,939
           United Financial  $1,527  $137  9% $1,390

          As you can see from this example, AMCO has the largest average low-annual mileage discounts in Calfornia. However, GEICO and United Financial have lower overall auto insurance premiums. 

          Now, let's look at the differences by company for a bundling discount in Texas. Homeowners can save by bundling their home policy with their auto policy. Here's how much you would save by company.

          Here are how companies compare for bundling discounts in Texas: 

           Company   Avg premium before discount Avg discount by dollars Avg discount by percentAverage premium after discount
           Allstate  $2,903  $384  13.2% $2,520
           GEICO   $1,626  $42  2.6% $1,584
           Nationwide  $1,922  $132  6.7% $1,790
           Progressive  $2,102  $283  13.5% $1,819 
           State Farm  $1,352  $179  13.3% $1,172

          Similar to the California example, GEICO has the lower overall rates for Texas, but the smallest discount. 

          These examples are why it's vital that you shop around and just don't rely on the number of discounts. Instead, take everything into account and the final premium costs. 

          日本高清不卡码无码视频-Ways to save on auto insurance

        1. Ready to save money? Keep in mind these common wrinkles:

          • Some insurers cap your discount, so while you may be “eligible” for more savings, you won’t get it all.
          • Discounts may apply only to a portion of your car insurance bill, not to your total premium.
          • Insurers have different eligibility rules for discounts. For example, check with your insurer on its definition of a “good student” before you count on savings. And a good student discount is often available only to drivers under age 25.

          日本一本2017国产-Ready to get a quote?

          神州斯斯cc18tv手机版-Get quick and easy auto insurance quotes

          Valid zip code required


          Please select your Age.


          Please select your current insurer.



          Tell us your thoughts
          0 Responses to "Insider’s guide to auto insurance discounts"

          日本一本2017国产-No Comments

          What do you think? You can add a helpful comment to this page by filling out the form below.

          日本高清不卡码无码视频_啪啪啪视频高清_神州斯斯cc18tv手机版_lutuber老司机_日本一本2017国产Copyright @ 2003 - 2019.Company name All rights reserved.