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The relationship that you have with any insurance company becomes stronger when more and more policies are tied to your account.   It only makes sense that if you are bringing more dollars into a business, that business may want to spend more time, effort and energy in serving you, their client. This additional service may be the added time to answer your questions, find additional discounts that you may qualify for if other conditions are met, or simply the one on one relationship that you might expect from the company that is financially protecting your hard earned assets.  As your life changes and your insurance needs change over time, it is beneficial to do a complete review of the policies and keep them “tuned” to your changing needs.  I believe that this kind of review is important at least every 5 years and sooner if you have life changing events like a new baby, a new spouse or divorce, or a change in work or a move to another home.

Insurance discounts vary from company to company and can “slip” off if you are not paying attention.  All students should be checking to make sure that the “Good Student” discount is still in place.  Every 6 months, this massive discount may need to be re-qualified for by providing a copy of your grades… These can be huge dollars that should remain in your pocket, if you had simply forwarded the information on to your insurance carrier.   Be sure to ask your specific company for all available discounts and what it will take for you to get them!

Some of the biggest discounts for drivers under the age of 25 is simply letting the insurance company know that you are now married or that you have become a parent.  These life changing events tend to affect the cost of your auto insurance in a wonderful way!  Moving into a less populated area, being able to park your car in a garage vs parking in an open area, having an alarm on your car… are all chances to lower your insurance costs.

Regardless of the name of your insurance company or agent, having the ability to communicate and ask questions is the ticket to reducing the overall cost of your insurance.  Making one call to one agent, who knows who you are,   is preferable to calling a telephone tree and speaking with a new “REP.” every time.

1. New business discount: May offer you a discount as a new policyholder if you have been accident-free for a specific period of time.
2. Accident-free: Policyholders who have been accident-free while being insured with the same insurance company for several years may be eligible for reduced premiums.
3. Discounts for other insurance lines: Premiums may be reduced if you insure your home, life or health with the same company that covers your car.
4. Multiple cars: Premiums may be reduced if there are two or more private passenger cars in the household insured by the same company.
5. Air bag/passive restraint: Cars that are 1993 or older and are equipped with air bags or automatic seat belts may receive this discount. Certain makes and models of newer vehicles may receive the Vehicle Safety Discount because of the lower medical payments associated with them. The Vehicle Safety Discount is for autos 1994 or newer. Certain makes and models may have a decrease in their premiums because of lower medical payments associated with those specific makes/models.
6. Antitheft devices: Some insurance companies offer discounts on comprehensive coverage premiums when certain antitheft devices are installed or built into a vehicle.
7. Defensive driving course: Premium discounts sometimes are offered for the voluntary completion of specified driver improvement courses.
8. Good student: Full-time students (high school or higher level) maintaining at least a “B” average may qualify for reduced premiums with many companies.
9. Longevity Discounts: Length of time you have been with an insurance company may also afford you a reduction in premiums. This is a good reason to keep in contact with your current carrier to see if you are approaching another discount and allows for the opportunity to review your file for things that may have been missed.
10. Low usage of a car can impact the rates. Antique cars, Replicas, cars that are stored and not driven months at a time. All of these may have a special premium with your insurance carrier.
11. Older, less valuable cars, may not need to have Comprehensive or Collision coverage. If the cost for these two coverages represent more than 10% of the value of the car, chances are it is time to review the policy and consider dropping these coverages.

These are just a few of the common discounts offered by insurance companies. For more details contact your insurance company or agent or get a free Arizona Auto Insurance quote today. Above all, drive safe.