The common discounts for American car insurance are divided into the following four major items, and there are some discounts under each major item that can be applied for. Whether you are a novice who wants to buy car insurance or an old driver who wants to renew the contract, you can remember the following discount items and ask the insurance company broker.
1. Discount for “Driver Status”
•Good Student Discount
•Away-From-Home Student / Resident Student Discount
• Professional & Academic Organizations, Employee Discounts
•Senior/Mature Driver
•Military and Federal Employee
2. Discount for “Vehicle” (Vehicle)
•Vehicle Safety Equipment Discount
•Anti-Theft Car Discount
•New Car Discount
•Economy Car Discount
3. Discount for “Insurance Content” (Policy)
•Homeowner Driver
• Quote Online Discount
•Multi-Policy/Multi-Line/Bundling Discount
•Multi-Car Discount
•Pay-in-Full Discount & Automatic Bill
•Switch & Save Discount
•e-Bill Discount
• Early Signing Discount
•Loyalty Discount
4. Discounts for “Driver Safety”
•Good/Safe Driver Discount
• Accident-Free/Claim-Free Discount
•Defensive Driver Discount
•Senior/Mature Driver
•Usage-Based Discount
Easiest auto insurance discount
•Safe driver discount
•Anti-theft device discount
•Multiple vehicles discount
•Policy bundling discount
•Good student discount
•Low mileage discount
•Defensive driver class discount
Each insurance company creates a background and behavior model of its own policyholders based on its own data, driving conditions of its own policyholders, and “big data” such as operating costs. For Company A, certain types of policyholders are low-risk (such as young men), but for Company B, perhaps this type of policyholders often have accidents while driving and need to pay claims. Based on the statistical data results, it is natural to offer discounts for driving that meet the low-risk type customer profile conditions.
When various insurance companies provide Driver Quote auto insurance services, most of these details will be included in the inquiry, but not all insurance companies’ policies will provide the same preferential discount items. For example, A insurance company will take the initiative to ask and provide good students discount, Insurance Company B may not. And how do you know which auto insurance company will get more insurance discounts for your own conditions? The financial and insurance industry in the United States is booming, and now analytical tools have been developed. As long as you enter the conditions, you can personally recommend the most cost-effective and cheap Top insurance companies. Like the online free Quote quotation tool below, you can quote directly on your mobile phone.
