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What discounts are commonly available on an auto insurance and how do I qualify?
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I heard there are discounts for safe driving, low mileage, and good student — which ones stack, and how do I get them?
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Auto insurance companies offer a variety of discounts that can help lower your premium. Here are some common discounts and information on how to qualify for them:
1. Safe Driver Discount: This discount is typically available to drivers with a clean driving record, meaning no accidents or traffic violations for a certain period (usually three to five years). You may need to submit proof of your driving history.
2. Low Mileage Discount: If you drive a limited number of miles each year, usually below a certain threshold (often 7,500-10,000 miles), you may qualify for this discount. You will typically need to provide your mileage information, often through a vehicle log or an odometer reading.
3. Good Student Discount: Many insurers offer discounts to students who maintain a certain GPA (usually a B average or higher). To qualify, you’ll need to provide a report card or proof of your academic performance.
4. Multi-Policy Discount: If you bundle your auto insurance with other types of insurance (like home or renters insurance) from the same company, you can often get a discount on both policies. Make sure to ask about bundling when you get your quote.
5. Multi-Vehicle Discount: Insuring multiple vehicles with the same company can lead to discounts. Again, check with your insurer for specifics on how many vehicles you need to insure and the amount of the discount.
6. Safety Features Discount: Vehicles equipped with certain safety