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Your auto insurance premiums are based on a variety of factors, many of which are difficult to control. Your driving history and the type of vehicle you own have a significant impact on how much you pay every month, along with rates of theft and the frequency of natural disasters where you live. However, most insurers offer discounts, allowing you to save money without compromising on your coverage.

4 Common Types of Auto Insurance Discounts

1. Multi-Policy 

Most insurance companies offer discounts to customers who purchase more than one policy, sometimes with substantial savings. Bundling your auto coverage with your homeowners or renters plan can dramatically reduce how much you spend on both.

2. Safe Driver 

auto insuranceWhen deciding how likely you are to file a claim, insurers give a great deal of weight to your driving history. Those who don’t have excessive traffic tickets or accidents usually receive lower rates, as do people who attend traffic school to have points removed from their license.

3. Multi-Car 

If you have more than one vehicle, you may qualify for significant discounts by insuring them all under a single policy. While each car must have the same amount of liability coverage, you can customize the plan to have collision or comprehensive protection on one but not the other.

4. Homeownership 

Insurance companies assume that homeowners are most responsible and less likely to file a claim. If you own your own house, you may qualify for lower premiums than if you rent.

 

As dedicated independent agents, representing Nationwide® and other excellent insurance carriers, The Simmons Insurance Group offers a wide array of options to drivers throughout southeastern Ohio. With over 45 years of experience, their skilled agents will thoroughly evaluate your needs and ensure you get every discount you qualify for. Visit their website to learn more about their auto insurance products, or call (740) 667-3111 now to request a free quote and schedule an appointment.

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