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As an automobile owner you have to get car insurance. However, getting car insurance isn't exactly cheap; it’s downright expensive. Still we are all looking for a cheap car insurance policy.
What is the best way to find cheap car insurance? Do your homework, research car insurance companies online, compare different insurance carriers and policies. Make sure to get the coverage you need, it may cost more, but will save you in the long run.
There are many ways to insure that the automotive policy you do get has been given all the discounts that are available to you.
Obey The Law
Car insurance companies can give you discounts for a number of reasons. One thing that you have to remember is that being a law-abiding citizen really does pay off. If you have a clean driving record where tickets and accidents for the last three to five years are concerned, you may be eligible for a discount.
Safety Devices
Being cautious also pays off. If your car has an air bag installed, an alarm, etched windows or other safety devices, then the car insurance company should give you a discount.
Loyalty Discount
Being loyal also pays off. Insurance companies usually offer a diverse selection of insurance policies. A single company might offer a lot of types of insurance like car insurance, house insurance and health insurance. If you use more than one of a company’s services, say car insurance and house insurance, you might just get a discount on one of the two or if you're really lucky, both. The same goes with owning multiple cars and getting insurance from the same company.
Military and Student Discounts
Soldiers get discounts whenever they get shipped overseas. If the car would be in storage for a number of years, then you will get a discount for the whole duration. Some discounts for soldiers might even get as high as 25% annually.
Students who maintain a B or better average may be eligible for a auto insurance discount. Students who go away to college and leave their car home can also get a break on the cost of their car insurance.
Auto Education Classes
Some towns offer safe driving courses, and if you have taken a certified course you may be able to get a discount on your auto policy. Check with your insurance agent to find out.
Remember that there are a lot of ways to get discounts for your car insurance. All you have to do is to know exactly what these are. Ask your insurance agent about what policy discounts are available. Who knows how many you will be able to apply to your auto policy and you could save yourself some money.