When it comes to shaving off costs for auto insurance, many people start
hitting the Internet for cheap auto insurance quotes. This is certainly
an option, but if you already have a policy with a reputable company,
before you jump ship check with them to be sure they are giving you all
your available discounts.

1.    Good Student Discount

If
you or a driver under 25 is a full-time student and maintaining better
than a 2.9 GPA, you should be receiving this discount and cheap auto
insurance quotes. If you are not, get the transcripts to provide proof
and ask your insurance company to apply it retroactive to your last
renewal date.  If your transcript clearly shows  you or your driving
student have maintained this average for more than six months, they
should be able to honor the request.

2.    Accident Free Discount

If
you or any of your drivers have not had any claims in five years, you
should be receiving an accident free discount. This applies per driver,
so the more claim-free drivers the bigger your discount. Typically this
is automatically calculated when a clean driving record shows up when
pulled on renewal, but if you aren’t seeing that on your policy check
cheap auto insurance quotes.

3.    Safety and Alarm System Discounts

If
your car comes equipped with a theft deterrent system and you have
Comprehensive coverage on your policy, you should be receiving this
discount. If it doesn’t come standard on your model, you may have to get
something in writing from your dealership or from some other official
person to verify its existence.

While you are at it, check to
see if you are getting proper discounts for ABS brakes, airbags, and
daytime running lights. Not all states and/or insurance companies have
these discount options, but it certainly doesn’t hurt to check cheap
auto insurance quotes.

4.    Multi-Policy Discounts

If
you have an auto policy with one company, a home or tenant policy with
another company, life insurance with a third company, and your
motorcycles are insured with yet someone else, it is time to sit down
and do some work.

If you were to spend as little as half an hour
a couple times a week, you will find there is a company out there that
will give you cheap auto insurance quotes on all of these combined. You
are missing out on big discounts by spreading your money to so many
insurance companies.

Take a few moments to be sure you are
getting the best rates so you can get the best coverage for the best
price. Ensuring your peace of mind is far better than crossing your
fingers and hoping for the best.