ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Auto Insurance Savings: A Comprehensive Review On Discounts

Updated on March 3, 2016

Many people nowadays want to get discounts and even freebies in their every day expenditure. Freebies are normally hard to obtain especially in the Finance department, I am sure you will be happy to learn that auto insurance saving is possible through various discounts offered on many insurance policies which will be elaborated in this hub.

Low-Risk Jobs

Insurance is a number's game to every body and much more to the providers. Insurance providers do a lot of research before providing insurance coverage. They collect information on what type of auto insurance consumers who usually get involved in accidents. The results of this research indicated that engineers are the least likely auto insurance consumers to get involved in accidents. As a result of this research, engineers normally get lower rates as they are seen as lower risk drivers.

Another group that gets lower rates that is close to the Engineers' are Teachers. You may also ask the insurance company why these groups of auto insurance consumers normally get a lower rates when it comes to auto insurance. This will give you an idea of occupations that are considered low risk and why they get low cost on auto insurance policies. Your occupation might be one of them, so it does not hurt to do some shopping and research to learn on jobs that are considered low risk.

Professional Auto Clubs and Organizations

There are people who frequent restaurants and pay a lesser amount than the original charge, maybe you have experienced this yourself. One of the reasons this happens is those who get these kind discounts are a members of certain organizations that the restaurant is affiliated with and thus they offer discounts to clients affiliated with that too. This kind of discount that the restaurant offers applies also to the insurance business.

Certain organizations or clubs are affiliated with certain insurance companies. And the same way they do with the hotel or restaurant, they charge a specific percentage off the original policy rate to clients who are members of certain affiliations. In this case, discuss with your insurance agent what possible organizations or clubs are affiliated with the company to get you more savings.

Car Safety Features

Automatic seatbelts, anti-lock brakes, airbags, anti-theft safety gadgets, alarm systems, and other similar features integrated into your car are not only brilliant safety features that protect you while behind the wheel but also make you eligible to score for discounts on your auto insurance policy. It will be helpful to do some research on this area and get to know how your insurance company stipulates on this specific area.

Driver Assumes Higher Risk

Asking for a higher deductible which the insurance company can provide if you agree with them that they pay pay for the heavy hits and you you pay for the little bumps and dings. This is one way to get lower auto insurance rate in the same way you get lower premium rates by dropping collision coverage on your older car.

You have to know that flashier and expensive cars lead the company to charge you a higher rate for the fact that they are easy on the eyes of car thieves.

Renewal and Combined Discounts

Insurance companies prefer clients who never file a claim after getting involved in a road mishap. You can take advantage of this matter too by asking for a renewal discount. The company which your car is insured with will be just as happy to oblige. After all, all they do is send you six- or twelve-month premium bill, collect and cash your payments.

You also get auto insurance savings when you combine your house insurance  and  auto insurance in the same company.  It will be helpful to do some research or even ask your insurance agents if they offer such options.

Did you find these Auto-Insurance discount reviews to be helpful?

See results


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)