Auto Insurance Incentives

• Up-front payment, up-front savings? Some companies offer as much as a 10% discount if you pay for your entire policy upon renewal (instead of making payments).
• Bundle up? Most carriers offer a multi-policy discount if you purchase both auto and homeowners coverage, or insure more than one vehicle.
• Savings for safety? Ask about discounts for cars equipped with safety features, such as anti-lock brakes, anti-theft devices, and automatic seat belts. And if you have three or more years without an accident or moving violation, ask - or rather, brag - about it; many insurance companies offer discounts to drivers with spotless records.

Ask Questions and Save

Ask about discounts for completing a defensive driving course, and find out about any savings offered for those with low-risk occupations. Statistics have shown individuals in professions like nursing, engineering and lawyers pay close attention to details and are less likely to get into accidents. Some carriers reward these folks with occupational discounts.