One of the easiest ways to get cheap car insurance quotes is by finding and qualifying for all of the discounts available to you. Car insurance companies today offer a wide variety of discounts on their rates that can provide a significant savings. Whether you are a new driver or an experienced one, there are car insurance discounts that can help you get a much more affordable rate.
Young, inexperienced drivers face some of the highest rates around, so car insurance companies in Ontario offer some discounts that can help bring them back down. The first discount that any new driver should take advantage of is for completing a driver education course. Not only does this result in lower rates for the driver, but it also provides the education and information needed to help new drivers become safer drivers.
For new drivers who are also students, many insurance companies also offer a good student discount. Students who maintain a certain average in school can receive a discount simply by submitting their transcripts. This is another easy way to see a great savings on your car insurance.
Another easy way to get a discount on your car insurance is by combining other insurance policies you need to carry with the same insurance company. If you have more than one car, insure all of your vehicles with the same company. The same goes for motorcycles, recreational vehicles and boats.
Discounts are also available for insuring your home with the same company. You don't have to be a homeowner to take advantage of this type of discount either; many insurance companies will provide a discount for carrying renter's insurance as well. Finally, a life insurance policy with the same company can earn you yet another discount on your car insurance. Placing all of your basic insurance policies at the same company is an easy way to save on premiums and also gives you the convenience of taking care of things all in one place.
Car insurance discounts are also available based on the type of car you drive and its particular features. This is something to take into consideration when shopping for a new car to make sure you choose one that won't cost you a bundle on your premiums.
Safety features are one of the most common items on a car that can qualify it for discounts. Extra airbags, anti-lock brakes, back-up cameras and other features that make a car safer to drive and more likely to avoid an accident earn you a better rate.
In recent years car insurance companies have started offering discounts for fuel efficient, eco-friendly cars as well. Some companies offer this discount only for hybrids while others may offer it for any car with a certain level of fuel efficiency.
There are many other car insurance discounts that may be available to you. The best way to find out what you might qualify for is to talk to your insurance agent, broker, or representative. Often discounts can be overlooked if you do not press for them to be checked out and added.
Some of the other discounts you might encounter are customer loyalty discounts, accident-free discounts that apply over time, and discounts for parking your car in a safe location. Ask your insurance company for a full list of the discounts they offer so you can review them.
Getting all of the right discounts on your policy can make a big difference in your rates; it is well worth the time and effort to look into what is available. Although you will not qualify for every discount, knowing what your insurance company offers helps you to make future decisions.
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