Auto Insurance Discount Options That Don't Require A Good Driving Record
Auto insurance can be costly, especially if you don't have the best driving history. With so many auto insurance discounts aimed at drivers with a strong driving history and a clean record, it can leave you feeling like you have no options. The good news is that if you're looking for great auto insurance discounts, there are some you can ask about that have nothing to do with your driving history.
Policy Transfer Discounts
If you're currently insured with another company, you may be able to get a discount for the first year just for transferring to a new company. Sometimes these discounts are offered for longer, especially if you're bringing over multiple policies. If you're in the market for a new company, ask about deals for transferring your policies from a local competitor.
Holding A Professional Membership
From local credit unions to alumni organizations and even military affiliations, there are often discounts available for various membership holders. If you have any kind of membership to an organization, ask the organization if there are any affiliations with insurance companies that might allow you to get a discount on your policy.
Online Savings
With so much business being conducted online, it's no surprise that some companies are catering to their online customers in different ways. With minimal staffing involvement in accounts and policies managed online, it's no surprise that many companies offer discounts for these policies. Many companies will even offer you a discount on your premiums just for requesting a quote online. Be attentive to those options so that you don't inadvertently dismiss them.
Electronic Or Advanced Payments
To save money on collections fees and order tracking, many companies choose to offer a discount to policyholders who pay their policy premiums either upfront or through an electronic withdrawal. These payment structures reduce the risk factor associated with the policy payments, which allows the company to offer incentives for payments made that way.
Loyalty
If you've been with your insurance company for more than a year or two, call and ask about any possible loyalty discounts. Sometimes insurance companies will offer savings to customers who renew their policies more than twice. If you are eligible, it could save you significantly.
These are a few of the low-cost auto insurance options available to you even if you don't have the best driving record. Ask about your options with your current insurance company today or look for one that offers savings options like these.
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