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Auto Discount Insurance: Ways To Lower Auto Coverage.

Author: John Smith  //  Category: General

Auto Discount Insurance: Ways To Lower Auto Coverage.

Finding ways to slash the insurance cost on your car or truck comes more naturally for more people to seek with more vim and vigor. People search more aggressively especially in this current economic climate. The cost of insuring your vehicle continues to go through the roof (pardon the pun), but there’s still numerous ways to save for the smart shopper.

More companies scurry to find more discounts for what the industry calls lower risk drivers. The industry has determined this class of driver certain traits people have because they’re less likely to get into an auto insurance fault accident or file a claim.

Low risk drivers have historically proven to save insurance companies the most money. In return insurers constantly look for incentives to keep these types of drivers and encourage them to maintain their good driving habits.

In the past most companies would  give you a discount on your auto insurance policy based on a clean driving record alone.. But here’s a tip most drivers don’t know about, for some reason insurance companies don’t advertise or promote these saving tips in there ads or promotions. So, it’s up to you to research and find these cost cutting policies yourself, like you’re doing now by reading this and other information like this.

Now most companies worth there salt will offer discounts to policy holders if you work in certain professions, be a certain age or have a certain credit rating. Other discounts are offered depending on the type of car you drive. If you have more than one car insured with the same company.

You can also qualify for a handsome discount if you have your home or apartment insured with the same insurer. All these tips and more can allow you to qualify for a substantial auto insurance discount.

All these traits label you as a lower risk policyholder based on insurance industry research and statistics. The more of the above traits you have the lower your risk of having an at fault accident and the bigger your premium savings. Why? Because insurers profit the most by doing business with drivers like you.

Your college degree can even slash your auto coverage cost by helping you obtain auto discount insurance. Auto industry research has also found that
certain college majors have less auto accidents. For example, if you have a B.A degree in engineering, math or biochemistry you can find policy discounts at many companies. Research shows people with engineering degrees or degrees in one of the sciences file fewer claims. Go figure.

Other low risk occupations, according to years of industry research, are teachers, farmers and ministers. So make sure you check with your agent on the latest discounts they have available if you feel you qualify. Auto discount insurance plans always change with many companies, that’s why it’s important to sit down with your agent and get a policy review at least once per year.

These are important tips every auto driver should know to make the best buying decision possible when it comes to purchasing car insurance. Knowing these simple ideas can help you save the most money possible as well as keeping you save from scams and tricky insurance agents.

By: Roy Primm

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Roy Primm has written dozens of articles on behalf of his crusade to reduce online car insurance rates for all drivers. Get more auto insurance saving secrets at


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