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How to Get Auto Insurance Discounts

Every state except New Hampshire requires drivers to carry some level of auto insurance. It's an unavoidable expense, and it can put a big strain on your wallet. However, there are a number of discounts out there that you may qualify for. Insurers differ in which ones they offer, but here are seven of the most common types.

Multi-policy: If you own a home, your insurance company may offer you a discount if you also purchase your homeowners insurance from them. Some insurers allow you to bundle your car insurance and life insurance policies together for a cheaper rate.

Multi-vehicle: Households with more than one vehicle may qualify for a multi-vehicle discount. You could cut up to one third of your premium by taking advantage, so see what your insurer offers.

Safe Driver: Drivers who cause accidents or incur moving violations will pay a higher premium because they present more risk to the insurance company. If you drive safely for a length of time, you'll probably automatically qualify for a safe driver discount.

Good Student: If you're still in school, try to keep your grades at a B average or above, as many insurers offer good student discounts. You may need submit your report card or college transcript to your insurance company as proof.

Anti-theft Devices: A car alarm or vehicle recovery transceiver can help prevent your vehicle from being stolen. Some insurance companies will offer you a discount if you install some type of anti-theft device.

Low Mileage: In the eyes of the insurance company, the more you drive, the more likely you are to get into an accident. If you don't drive to work or commute only a short distance, you may be able to get a discount on your premium.

Loyalty: If you've stuck with the same insurer for a number of years, they'll probably give you a discount automatically. This is one of the easiest discounts to qualify for.