Locating Discount Auto Insurance Is Easy

There are many companies that offer discount auto insurance on all types of car policies. You will automatically get a discount if you have never been in an accident or received a ticket in the last 3 to five years. You can also get additional discounts if you already have a different policy with that company as multiply policies are automatically discounted. Multi-vehicle policies also receive discounts and are great if you own more then one car.

Besides these general and well known discounts there are other discounts that may apply to you. It has been found that individuals with a college degree particularly in engineering of the sciences can receive lower auto insurance rates. Individuals 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 when purchasing a policy form the 21st Century Group. Generally about 10 to 30 percent can be saved as long as you have a good driving record.

Teachers and farmers are also considered to be low risk customers for auto insurance. Many auto insurance companies will offer an additional discount if you are an educator. This type of discount will vary depending 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 first check with your insurance company.

Geico offers a special military auto 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. Geico is very proud of supporting the military.

If you are a member of AARP then you can get additional discounts through Hartford AARP Auto Insurance Program. They offer the standard discounts on multi-vehicle and multi-polices but also have discounts if you have been a customer for many years with them. In essence the longer you do business with AARP the more discounts you receive.

MetLife will lower your auto insurance premium 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 due to accidents and tickets then taking a defensive driving course if a great way to lower your insurance payments.

If you think you may be entitled to more discounts or are simply unsure of any additional discounts you should speak to an insurance agent. 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 and the answers that are provided by each company. You can then determine which company provides you with the best coverage and discounts.