When one is trying to get cheap auto insurance, attention should really be paid to the discounts that the auto insurer offers. There are many discounts available to the insured and it is wise to go over an auto policy with an agent at least once a year to make sure one is getting all the discounts they are entitled to.
With older drivers, many reach the age of retirement at 65, and some even sooner. Many insurance companies offer discounts for retired drivers. When one does retire, it is important to tell the agent about the change in employment status so the discount can be applied. The same goes for seniors taking the defensive driver course. This is a course offered to older drivers to reinforce driving skills and many insurance companies offer discounts for this class. The classes usually issue a certificate after the course is taken and that certificate should be taken to the agent to immediately apply the defensive driver discount.
There are discounts available if one’s car has anti-theft, air bags, and anti-lock brakes. Most new cars are equipped with these and the discounts are automatically applied, but some may not be. With each car one adds to his insurance policy, it is important to ask the agent which discounts will apply to the new vehicle. And speaking of new vehicles, some insurance companies offer a discount to original owners of a new vehicle.
For young drivers, many insurance companies offer discounts for driver training and being a good student. This is where it is important to teach young drivers the importance of how hard work does pay off. Students who attend a driver’s training course will be issued a certificate at the end of the course. That certificate should be given to the agent so he knows that the discount needs to be added to the vehicle the student will be driving. The same applies to the Good Student discount. Students with a B average or better should give the agent a copy of the most recent report card to ensure the discount.
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