Do Insurers Genuinely Offer Discount Auto Insurance?

Besides these general and well jnown discounts there are other cost saving measures that you may qualify for. It known that drivers with a college degree particularly in engineering or in the sciences can receive lower auto insurance rates. People with these types of degrees have less risk then other degrees. If you have a degree in biochemistry, engineering and other related fields then you can get an additional discount on your auto insurance if you purchase a policy form the 21st Century Group(AIG Direct). Generally about 10 to 30 percent can be saved as long as you have a good driving record.

Teachers and farmers are also thought as low risk customers and may qualify for discount auto insurance. Many car insurers will offer an additional automobile insurance discount if you are an educator. The amount you save with this discount may differ based on your certification and which state you teach in. You may need to be a full time college professor to qualify for the auto insurance discount but you should check first with your insurer.

Geico offers a special military automobile insurance discount for active and non-active members. A military member can save between 2 to 15 percents through Geico. Geico offers a special discount if you have a stored vehicle and are receiving hostile-fire pay. They also will drop your coverage to the minimum if you are sent over seas and put your vehicle in storage. After all Geico stands for Government Employees Insurance Company.

The age and longevity as a patron with Hartford A.A.R.P car insurance program will offer you even greater savings. A.A.R.P members will receive larger discounts on multiple-policies and multiple-vehicle policies. If you have been insured with the company for more then 5 years you will receive additional discounts.

MetLife will lower your automobile insurance rates if you take and pass courses offered from the National Safety Council, particularly the defensive driving course. These courses can be taken online or you can order a complete course kit. If you have a lot of points on your license then taking a defensive driving course is a fantastic way to lower your insurance payments.

If you think you may be able to get more discounts or are simply unsure of any additional discounts you should speak to an insurance agent. Tell them you want to compare rates and discount from multiple companies and don't worry because they all offer free insurance quotes. These additional discounts can greatly affect your insurance premium and taking some extra time investigating different policies can save you quite a bit of money. Make sure you have all of your questions written out before you talk to your agent to make sure you don't forget anything. The you are ready to determine which company provides you with the best coverage and discounts for you.

Auto Insurance Military Discount

Auto Insurance Military Discount can be enjoyed by retired military personnel, member of the National Guard or those on active duty. Everyone in uniform should carry car insurance depending on state or country where you live. Every military personnel are eligible for discount insurance premium rate up to 15 percent. Different wings of military such as members of professional military associations like Association of the United States Army, Air Force Association, Navy Federal Credit Union, Fleet Reserve Association, Marine Corps League, Air Force Sergeants Association, National Military Family Association, Pentagon Federal Credit Union, U.S. Coast Guard Chief Petty Officers Association.

Auto Insurance Military Discount is available in different types. The Bodily injury liability is the most important type of insurance coverage that military personnel should carry. This coverage pays for rehabilitation, treatment, medical bills or funeral costs for anyone killed or injured by your car. If the third sues you for any damages, this coverage will pay for all the damages. The property damage liability coverage pays for the repair and replacement of vehicles and other property damaged during an accident by you or any authorized driver. The personal injury insurance coverage pays the medical expense and some part of the lost wages to you and your authorized driver. The other noticeable coverage that you can enjoy under Car Insurance Military Discount is collision coverage, comprehensive coverage, rental reimbursement and auto replacement.

It is very important to note that if you are being deployed, you should not cancel your insurance policy. It is a common practice for most of the deployed servicemen to put their cars in storage and cancel their car insurance. This should not be done because if something happens to the car in storage the insurance company will not entertain any claim as they have no coverage. Insurers like USAA always focus on keeping the rates of the insurance low in military bases. So always remember to give attention on coverage of the insurance rather than its price and remember to look for the insurance companies that understand the military lifestyle and offers you Auto Insurance Military Discount easily. Always consider the value of membership with the insurance company that caters to the members of military.