We can’t stress enough how important it is for you to fill out auto insurance quote forms as accurately as possible. Information submitted inaccurately can not only result in a price increase after your information is verified by carriers, but can result in you potentially missing out on special discounts that each carrier offers.
Here are some typical discounts available from carriers, by category. Remember that every carrier offers a different set of discounts, and the details of each discount may vary.
Good Driver: For a relatively clean driving record (minimal accidents and violations)
Occupation: Certain types of occupations (ie - Scientist, Doctor, Nurse, C-Level Executives)
Group: For being a member of groups and associations (ie – Military, Alumni, and Vocational)
Homeowner: For owning your home
Continuously Insured : Demonstrating no lapses in coverage on your auto insurance record
Good Student: If a full-time student, maintain a 3.0 or above GPA
Senior Citizen/Experienced Driver: For being a certain age, or having a minimum number of years with a drivers license
Driver Training: For completion of an accredited driver safety course
Alternative Fuel/Hybrid: Discounts for vehicles that do not run exclusively on gasoline
Passive Restraint: Vehicles equipped with airbags or automatic seatbelts
Anti-Lock Brakes: Vehicles equipped with anit-lock braking systems (ABS)
New Vehicle: Late-Model vehicles
Anti-Theft Device: For vehicles with passive or active disabling devices such as LoJACK
Multi-Driver: For having more than one driver on your policy
Multi-Policy: Bundling other policies such as home from same Insurer
Paid-In-Full: For paying your policy amount up-front, and in-full, as opposed to monthly, or quarterly
Multi-Vehicle: For including more than one vehicle on your policy
E-Signature: Signing certain policy documents online
Paperless: For choosing to receive all communications electronically rather than through snail mail
While the above is not inclusive of all discounts on the market, it represents the majority. Always be on the lookout for discounts, as they can make a significant difference in your total policy premium.