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One of the easiest ways to save money on car insurance is to ask your insurance provider about discounts. There are many different types of discounts available, and there is a good chance that you qualify for one or more. Here are a few well-known discounts that can help you receive a lower auto insurance quote.

Good Student Discount: Students who are enrolled in high school or college full time, and who maintain a GPA of 3.0 or above are qualified for a Good Student Discount with most insurance carriers. Young drivers are typically seen as a higher risk when it comes to auto insurance; however, students with good grades are typically more responsible than those with poor academic scores.

To qualify for a discount, students will usually need to submit a report card or other document confirming their good grades to their insurance company. Students will need to resubmit these documents every time their insurance is renewed in order to receive discounts. Enrolling in driving classes and maintaining an excellent driving record will lower students’ policies even more.

Insurance Bundling: There are a lot of insurance companies that offer their customers discounts for “bundling” insurance plans. This is when you purchase many different types of insurance—such as homeowner’s insurance and car insurance—together under one “umbrella” policy. In essence, you are purchasing many products together.

Customer Loyalty Discounts:  If you renew your insurance policy with a company, you may qualify for a Customer Loyalty Discount. Insurance companies will often reward their customer’s for staying with them, especially since the insurance market is so competitive.

Driver Education Courses: This is one of the easiest ways that you can lower your car insurance premium. By simply enrolling in a driver’s education course, or a defensive driving course, you are proving to your insurance provider that you take driving safety very seriously.

After completing these programs, you can often receive a certificate, which further illustrates your dedication to driving responsibly. Insurance companies know that those who are educated in safe driving habits are less likely to become involved in a collision or accident, and will factor this in when giving an auto insurance quote. If you drive a motorcycle, you may want to sign up for a Motorcycle Safety class.

Purchasing Anti-Theft & Safety Equipment: The likelihood of car theft is just one of the many factors that car insurance companies take into account when issuing a car insurance quote. Buying anti-theft equipment can actually save you money on your insurance premium, especially if you have a “high theft risk” car.

Some of the safety features that will help lower your premium include alarms, window etchings (VIN), steering wheel bar locks, LoJack, and remote vehicle disablement. If you don’t buy these products in order to achieve lower auto insurance quotes, consider purchasing them for your own well being.

Mature Drivers Discount:  In 35 states, and the District of Columbia, senior citizens and those over the age of 55 can receive discounts on their auto insurance if they pass a driver’s safety course. Discounts for seniors is mandatory in these states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming.

Mature driver discounts will typically save you around 10% and endure for two to three years after taking a safety course. After this period you may take the class again to continue receiving a discount. If you live in a state that doesn’t mandate this discount, ask your provider anyway. Sometimes they will offer it on their own accord, especially if you are a loyal customer.  

Military Discount: Members of the armed forces, National Guard, Reserves (either active or retired) can receive up to 15% off of their insurance premiums. Those who have served our country have made significant sacrifices in their lives, and many insurance companies feel that they should be rewarded accordingly. Many times, these discounts are extended to family members of the person who served.

If you served in the military, make sure that you let your insurance provider know. 15% off your premium can save you hundreds of dollars depending on what kind of insurance policy you have in place. If you are actively serving in another country, you must still pay insurance on any car that you own. In these cases, you should take advantage of this discount. Your discount will also be useful to your spouse.

As you can see, there are many discounts available to drivers today, whether you are a student, have served in the military, or are a senior citizen. Always ask your provider about any discounts you may qualify for, as insurance companies may not offer this information on their own.