Drive Down Your Auto Insurance Premiums: Discounts You Might Be Missing, Part 3

In Parts 1 and 2 of this series, I described a range of valuable auto insurance discounts, from multi-car and loyalty discounts to checking rates before buying a vehicle.

​In this final installment, I’ll highlight 4 more discounts that can further reduce your premiums and help you save.

1. Alternative-Energy Discount
As more drivers switch to eco-friendly vehicles, insurers are offering incentives to encourage this trend. If you drive a hybrid or electric car, you may qualify for an alternative-energy discount. These vehicles are often seen as less risky and better for the environment, so insurance companies reward owners with lower premiums. If you're considering going green, this discount can be an added financial benefit.

2. Driving Tracker Discount
Many insurance companies now offer a driving tracker discount, which rewards safe driving habits with lower premiums. By installing a telematics device in your car or using a mobile app, your insurer can monitor your driving behavior, including speed, braking, and the times you’re on the road. If the data shows that you’re a cautious and responsible driver, you can earn significant discounts on your insurance. This program not only encourages safer driving but also offers a personalized way to reduce your insurance costs based on how you actually drive.

3. New Car Discount
Buying a brand-new car comes with a variety of perks, including potentially lower insurance rates. Many insurance companies offer a new car discount, which applies to vehicles that are typically less than three years old. New cars often come with advanced safety features and are less likely to break down, making them less risky to insure. If you’re in the market for a new vehicle, be sure to ask about this discount.

4. Defensive Driver Discount
​Completing a defensive driving course can lead to a discount on your auto insurance. These courses teach safe driving techniques that can help you avoid accidents and become a better driver overall. Insurance companies recognize the value of these skills and often offer lower premiums to drivers who take the initiative to complete a defensive driving program. This discount is especially beneficial for older drivers or those looking to improve their driving record.

With this final set of discounts, you've now got a comprehensive view of the many ways to save on auto insurance.

​Working with an independent insurance agent can ensure you’re taking full advantage of these discounts, tailoring your coverage to fit your needs while keeping costs low.

Want to see how many of these auto insurance discounts you might qualify for?  Call me today at 706-726-1446.

In case you missed Parts 1 and 2:
Drive Down Your Auto Insurance Premiums:  Discounts You Might Be Missing, Part 1
Drive Down Your Auto Insurance Premiums:  Discounts You Might Be Missing, Part 2