When shopping around for auto insurance, make sure to be aware of the potential discounts you can get. While certain companies may offer unique discounts, here are a few that tend to be available across the board in some form:
Good (or “Safe”) Driver Insurance
Many insurance providers will offer some sort of incentive for each year you go without an accident or violation. Different companies will offer different incentives, so make sure to know your options.
Multiple Vehicle Insurance
Some companies will offer a reduced rate for each additional vehicle you have on your insurance plan.
Homeowner Packages
Often times, it is possible to get a discount on your auto insurance simply by being a homeowner. It is also possible through many agencies to bundle home owner’s insurance with auto insurance for a discounted price.
Various “Student” Insurance Packages
There are several common student discounts available through most providers. These can be based on the student’s grades, how far away he or she goes to college (in relation to his or her hometown), and so on.
Additional “Safety” Discounts
It is often possible to receive a reduced rate for various safety features your car may have.
Other
Often times certain vocations are likely to receive discounts based on their professions. This is especially true of members and former members of the United States armed forces, though other professions may be eligible as well. Additionally, it is rather common for senior citizens to be eligible for a reduced insurance rate, especially if retired.