Can I Get a Car Insurance Discount For Being a Safe Driver?
Reader question:
I have a very good driving record, but my car insurance rates could still stand to go down a little bit. Is there something that I could do to make this happen?
Joel
Glad you asked, Joel.
I’m going to concentrate on the fact that you mentioned that you have a good driving record, which automatically will give you points with any car insurance company. Being safe is the car insurance company’s favorite quality in a customer, and it goes far beyond just staying under the speed limit. The more you do to keep yourself safe while on and off the road, the cheaper your car insurance rates will be. Whether this shows through in actual car insurance discount safety rates or in lower rates due to no claim history, you’re doing good either way.
Here are some tips.
- Anti lock disc brakes come with most new cars, although some are still behind on this issue. These are among the favorite safety features of the car insurance companies, because they prevent many accidents by making it easier to brake in dangerous conditions. Anti lock disc brakes can get you better car insurance rates.
- Anti theft devices are good for your comprehensive car insurance coverage rates. Most companies require that you get an active immobilizer, so that your car cannot be started if it is broken into.
- Another of th favorite safety features for collision rates is the air bag. There are a thousand different types of air bags and the more, the better.
- Daytime running lights are a relatively new entry to the situation, and they make it easier for cars to see each other during the day and while it is raining. These are low beam lights that stay on all the time, and have their own special discounts with many companies.
- Buckle up, like all of the signs say. That sounds too simple, but it really can help keep your car insurance rates down.
Most of all, though, keep doing what you’re doing. The best way to stay in a preferred class of customers is to keep a constant good driving record so that eventually, if you do mess up, you might not even have to suffer the consequences due to your history.
Cheers,
Fashun Guadarrama.
Is There an Engineer Discount For Car Insurance?
Reader’s question:
I recently got my college degree, and while I was attending school I could get a car insurance discount for having good grades Now that I no longer have grades, though, is there another discount for me?
Craig
Good question, Craig.
This is actually a new area in which car insuranc discounts are being offered. Recent studies have shown that many people’s driving patterns reflect their living patterns as well, as relates to their job, their education, their marriage. For a long time getting married has had a positive effect on people’s car insurance premiums, especially those of men’s, but now the other two categories are seeping into the area of car insurance discounts. You’ll see people getting discounts for being teachers or scientists.
And you can now get a car insurance discount for the degree you have as well. Or at least if you get your car insurance policy with 21st Century Insurance, you can. 21st Century offers discounted car insurance rates for people who have degrees in certain fields. These fields include mathematics, engineering, and chemistry, and pretty much any other degrees that would fall into the same department as those. If you graduated with one of these kinds of degrees, then you can get a car insurance discount from one of these companies.
21st Century is a car insurance company that does business in many states like Texas and Arizona, as well as Washington and Nevada. In all of the states that it operates it gives the option of this discount, which is named the engineering and scientist discount. According to the company’s vice president, this discount can get you as such as thirty percent off on your car insurance premium.’
The reason that people with these degrees are seeing good discounts is because, according to studies, scientists tend to be more meticulous people. Because of this, they pay more attention to their driving as well as to their surroundings.
Cheers,
Fashun Guadarrama.
Can I Get a Car Insurance Discount For Buying a New Car?
Reader question:
Can you get new car insurance discounts for certain types of cars?
Jasmine
Sure you can.
If you have a brand new car that is getting a title for the very first time since it is fresh out of the factory, then there are a lot of car insurance companies who will provide you with a car insurance discount in this instance. That’s good news for anybody getting new cars, because the expenses are already huge. Newer cars have higher rates for car insurance premiums, and so this makes it easier to handle the higher threshold of coverage for a new vehicle.
Here are some types of cars that receive discounts for their class of cars.
- Cars that are economic. You can get a new car insurance discount for an economic car, especially on your collision coverage rate, because the parts are easier and cheaper to come by and the labor is cheaper for these kinds of cars. Another great thing about them is that they are often less expensive for you to maintain, so you win on all sides.
- Discount for utility vehicles. Several different car insurance companies offer car insurance discounts for certain types of pickup trucks. Call your car insurance company and ask if they do this, and for what kinds.
- Safety ratings. Cars go through safety crash tests that determine how they will hold up in the case of several different types of accidents, both concerning the car itself and the people inside of it. Cars who perform better get better safety ratings as well as better car insurance rates.
Cheers,
Fashun Guadarrama.
Cheap College Student Car Insurance Rate Quotes Please
When your kid goes to college, it has both a lightening and a heavy effect on your checkbook. For one thing, you are no longer having to feed your bottomless pit of a teenager, buy him clothes, wash those clothes, and everything else. On the other hand, it might be up to you to fit the bill for things like classes, books, and school supplies, just like you did in K-12. How every, when you are getting your student car insurance, you might be giving yourself a big break on premiums. Whenever your kid goes away for college (and they do have to go away), most insurance companies either eliminate the charge for having them on the policy, or decrease it by a lot, all while still keeping their name on your car insurance policy.
Surprised? I bet you were. That’s why it’s a good idea to go in to look over your policy and see if it is right for your circumstances anytime something big happens such as marriage, divorce, a kid with a new license, or college.
The limit on distance generally required by the car insurance companies is a hundred miles away from home, and the student still has to keep his parent’s house as his permanent address. The risk assigned to a teenager a hundred miles away from his car for most of the year is obviously far less than normal, and the student will still be able to drive the family car when he comes home for the holidays. Whenever you exploit this car insurance discount, you can get as much as thirty percent off of your car insurance premium.
As for if your student is going to school in the city, unfortunately that won’t get you a better car insurance premium rate, unless they are making good grades. More reason to get them far, far away!
Cheers,
Fashun Guadarrama.
Can You Get a Teacher Discount For Car Insurance?
Reader question:
I drive a lot because I am a theater teacher and I haul my students around to view plays, to the Renaissance Fair, to perform and all that. Is there some way that I can make my car insurance rates lower?
Margie
Glad you asked, Margie.
Before I get into the meat of the question that is most specific to you, I want to inform you of several other discounts that you might be abler to get for your discount car insurance policy. First of all, do you have a pretty good driving record? IF you don’t have any traffic violations in the last three years, most car insurance companies will give you better ratings for that. What about your car? Does it have various safety devices and anti theft devices installed? Anti theft and safety measures can also get you discounts. Obviously you wouldn’t qualify for the low mileage discount, but if you are a teacher of mathematics then you could probably get a good discount from 21st century, which gives fifteen to twenty percent off for people who have degrees in mathematics, engineering, and the like.
However, as a teacher you have a more specific discount available to you if you belong to a teacher’s union such as the National Education Association, or NEA. Granted the discount that you usually get on a one car auto insurance policy doesn’t reach far enough to cover the actual fees for being a member of the union, but there are plenty of other perks of being in the union that will probably make up for it, and when you have more than one car on your policy the real saving start.
There are some requirements, usually. You have to be either a full time college professor, or you have to be a teacher with state certification. If you meet all of the requirements, your car insurance discount could be as much as thirty percent.
Cheers,
Fashun Guadarrama.
How Do I Get A Student Car Insurance Discount?
Reader question:
I’m getting student car insurance for the first time. How do I do this?
Mandy
Great question.
Stepping into the car insurance market can be a disorienting thing when you are a student who has possibly just gotten her first car. In fact, it might not be the first thing that you are thinking about when you embark on your journey to college and the rest of your life, because so many people do not put the priority on car insurance that it requires.This general lack of attention is one of the primary causes to the fact that the majority of policy holders driving in this country are paying more for their car insurance policy than they actually need to. When you’re a student and are paying higher prices than most anyway, shopping around for a good car insurance company becomes extremely important.
Most of the time, when you are just getting into car insurance for your first time, you might not be clear on the details. Do I even need it, you might ask. And why? There’s a good reason why. In every state there is some kind of law regulating posession of car insurance, and if you go driving without car insurance coverage, then you are going to end up with serious fines and possibly the loss of your license–and once you shape up and get that insurance, after you’ve made your mistake you might be paying higher rates than before.
There is another good reason to get the state’s minimum car insurance coverage. The fact is that if you cause an accident, you are responsible for the damages to the other car. If you don’t have car insurance, then the only person the other driver has to come to for their repairs is you, and you could end up with a big law suit on your hand. Even the most expensive car insurance premium is cheaper than thousands and thousands of dollars in legal fees.
One thing that most who are under the age of twenty five know when they are going into the student car insurance market is that they will e paying high prices. This takes their guard down. The truth is, you can get a good price even at twenty. How?
- Shop. The first thing you need to do when looking for car insurance coverage is get online and find a site that offers free online auto insurance quotes from several companies. Then, take your best quotes and look up the websites for their companies to find out which one you like best.
- Be informed. Figure out before you send over the money what kind of coverage you need. Get to know what your state minimum is. As for the other ones, do you have health insurance? If not, get personal injury protection. Is your car pretty old and junky? Then you probably don’t need comprehensive or collision.
- Inform your car insurance agent that you are looking at several other companies. This makes them more competitive in giving you a good price.
- Discounts are one of the best ways to get a low car insurance rate. Since you’re a student, you might do well to get the good student discount which rewards a B average or better. If you are studying something like mathematics, some companies give discounts for that, too.
- Make your deductible as high a you can afford. That will keep your premiums extra low, and if you drive safe, then you might not ever need to pay it.
- Always stay aware of what’s going on. If something is seriously wrong with the company, then you might need to file a complaint.
Cheers,
Fashun Guadarrama.
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