We all know that when shopping for insurance the most important thing is knowing you’re getting the absolute best price and taking advantage of all the possible discounts on your rate. At Insure First we don’t want you to pay a penny more than you have to so we’ve created a place where you can learn about potential discounts and how to qualify.
Each company has a list of discounts they give, some of them are the same, some are completely unique. Part of being a terrific agent and specialist in the insurance agency is finding out where customers can get the best rate by qualifying them for the most amount of discounts. We will go over a list of discounts that are common and some which may only be available from select companies.
Common discounts
Homeowner – Simple, if you own a home you get a discount.
Married – Most companies rate someone who is married for a lower cost than someone who is single.
Good Student – Anyone attending school (sometimes limited to under age 25) who maintains a B average can receive a good student discount.
Multi-Policy – By getting more than one policy with a company (such as home and auto, or motorcycle) companies will discount as high as 35% off your insurance.
Good Driver – By not having tickets or accidents for 3 or 5 years, depending on the company, you can receive a good driver discount.
Driving Course – For any driver over 50 years old the BEST thing you can do is spend just an hour or so and take THIS CLASS, and for years save up to 30% off your auto rate.
Low Mileage – Discount for vehicles driven with low mileage.
Small Town – Live in a small town? Discount!
Advance Quote – Looking to start your insurance next week? Quote it in advance and get a discount.
Paid In Full – Pay your 6 months or 1 year premium up front and receive up to 15% off!
Discounts to look for!
Alcohol Free Discount – A few companies will give you a discount if you’re a non-drinker.
Hybrid Car – Discount for choosing to be Eco-friendly.
New Car – Own a car 3 years old or newer? Some companies will cut you a new car break.
Distant Student – Have a child away at school without a car? They can receive up to 30% off your policy.
Pay As You Drive Discount – Snapshot, or Rewind programs which monitor the way you drive. Depending on if you drive safely or not you get a discount.
Paperless Discount- Sign up for paperless billing and get a discount!
AARP and Other Clubs – Receive a discount for being a member or AARP, AAA, General Motors Owner, and more!
Protective Devices – Do you have alarms? You can get extra discounts.
Higher Education – Get a discount for getting a college degree or higher.
Excess Vehicle – Do you have more cars than drivers? There’s a discount for that.
Claim Free – Some companies will reward you for not making a claim during your policy with 2% off each year you don’t make a claim up to 30% off.
There are a few more discounts only a company or two will offer and your agent is sure to match you up with those discounts at Insure First and GetUtahInsurance If you want to learn more about insurance and how to save on your rate call an agent and we will be happy to teach you.
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