Ever asked your insurance company if they offered discounts? If not, you are not alone. According to a survey from InsuranceQuotes.com, less than 16 percent of Americans asked about discounts that could lower their rates, such as driving less than 5,000 miles each year. To get these discounts, you have to proactively ask for them said Laura Adams at InsuranceQuotes.com.
Each year, you should call your auto insurance provider to see if you qualify for specific discounts. These discounts include:
If you drive less than 5,000 miles per year, you will often pay eight percent less each year than individuals who drive 15,000 miles per year. Defensive driving course discounts will vary from state to state, but in Georgia, a six-hour defensive driving program will give you a 10 to 15 percent discount on your car insurance.
A simple inquiry about discounts could help you discover new discounts that could save you hundreds per year on auto insurance. While this seems simple enough, four out of five Americans say that they have not done it. If you are married and 20 years old, you could pay 21 percent less for your insurance policy than if you were single. After age 30, you will save two percent. Despite the massive potential for savings, only 13 out of 100 people said they thought to notify their insurance company about getting married.
In addition, auto insurance companies view people with certain jobs as safer drivers. For example, teachers, nurses and accountants are often viewed as safer drivers, yet less than 10 percent of people have asked if their job will make them eligible for a discount. To receive a discount on insurance, all you have to do is ask.
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