4 Hidden Secrets in Finding Discounts For Car Insurance

Are you looking for discounts for car insurance? Don't let the federal government catch you! No one is supposed to know that there are ways you can save money on your car insurance. You see, it is all a diabolical conspiracy! Well, actually it's not. The truth is that saving money on car insurance is not a big secret. However, it seems that the majority of drivers out there don't know or don't care about saving money on car insurance premiums. These 4 ways to get discounts for car insurance are not well known, but they are guaranteed to work!

1. Drop collision coverage.

If you drop collision coverage, you will save a bundle. Many of the claims that are filed everyday are for minor and major damages that result from a driver driving "dirty" (or recklessly). By assuming more responsibility in your driving, you can reduce the price of your premiums. This is an even smarter strategy if you drive an older car. Did you know that the price of your yearly premiums for full coverage insurance is probably more expensive than the total price of your car?

2. Get on or get off a multi-driver policy.

You can find discounts for auto insurance by getting on (or getting off) a multi-driver policy. Young teenagers or twentysomethings that might have a difficult time finding a policy on their own, could get a significant discount if they are added to the family car policy. On the other hand, if you have been on a multi-driver policy for several years and have actually outgrown the high-risk demographic, you might be surprised to learn how much you could save by starting your own policy.

3. Join a club.

No, not the Mickey Mouse Club. We mean joining an automobile club and taking advantage of their special member savings. This is one of the most overlooked ways to find discounts for auto insurance. For example, some automobile clubs offer 15% discounts on regular auto insurance. They might also offer special benefits such as free roadside assistance and free use of the club swimming pool. (Though you might not want to swim in a pool occupied by greasy mechanics)

4. Pay more money to the same insurance company-but for less.

This simply means that if you opt to give more money to your insurance company, by investing in other insurance policies (such as health, life insurance, umbrella insurance and etc.) you may qualify for a multi-policy discount. Combined coverage gets you combined discounts. You may not see a great deal of savings in car insurance alone, but when you add up homeowners, health and life insurance coverage together, you may be surprised to learn how much you save. Start looking for discounts for auto insurance today!