15 common Atlanta car insurance discounts you should ask about

Car insurance discounts are a great way to save money.

Let’s start out by stating a simple fact: Atlanta car insurance can be expensive. The arrival of your car insurance bill each month might fill you with dread. So, like many people, you’re trying to figure out how to save money on car insurance. One way to get lower premiums is to investigate car insurance discounts. Now, each carrier offers different discounts and different amounts of savings, but below are 15 common car insurance discounts you might want to look into.

15 common Atlanta car insurance discounts.

1. Accident-free/Safe driver discount.

If you’ve gone a certain number of years without an accident, you could qualify for an accident-free discount. The fact that you’re a safe driver means that you’re a lower risk for the insurance company, and they could reward you with a discount that will lower your car insurance premiums. So, being a safe driver can literally pay off!

2. Multi-car discount.

Does your family insure more than one car with your insurance carrier? If so, you could get a multi-car discount. So, if you and your spouse have car insurance from the same carrier, you might want to ask if there’s any kind of discount for that.

3. Good Student discount.

Teen car insurance can be very expensive, but that’s why there are discounts for young drivers. Teens and young adults who have good grades could qualify for a Good Student Discount. If your teenager gets good marks in school, you might want to contact your insurance company to see if they qualify.

4. Bundling.

Bundling is when you get your home insurance and your auto insurance from the same insurance company. Many carriers offer a pretty significant discount on car insurance if you bundle, so it’s definitely worth checking to find out if bundling makes sense for you.

5. Setting up automatic payments.

You could get some sort of discount just for setting up automatic payments, meaning that your car insurance bill will automatically deduct from your bank account each month. (And this is also handy because you don’t have to worry about forgetting to pay your car insurance bill!)

6. Paying in full.

If you pay in full for a year’s worth of auto insurance, you could get a discount. Yes, it’s a big sticker shock up front, but if you’re financially comfortable paying for the entire year when you renew your policy you could get some savings in the long run.

7. Paperless payment.

There could be a small discount if you opt to get your bills and pay them online instead of having them mailed or printed. Who knew insurance companies were so eco-friendly?

8. New car.

You might get a discount if you recently bought your car or if it’s under a certain “age.” So, if you’re getting a brand new vehicle and adding it to your policy or trading in your current car for it, check and see if there are any savings to be had for your new ride.

9. Students away at school.

If your college student is attending a university that’s far away from home (usually 100 miles or more) and they’re not bringing a car, they could get an “away at school” discount. Of course, they’ll need insurance for when they’re home on break borrowing the car, but if they’re not going to be driving while at college this discount could be something worth looking into.

10. Usage/Low-mileage discount.

If you don’t drive that much and you have a relatively low annual mileage, you could get a discount. Less driving means less risk of an accident, which is why insurers sometimes offer a discount.

11. Seniors.

Sometimes seniors can qualify for car insurance discounts. Contact your carrier and ask if they offer this discount, and, if so, whether or not you’re eligible for it.

12. Anti-theft device.

Your car might be super nifty and come with an anti-theft device to prevent vehicle theft. Another cool thing? That anti-theft system could qualify you for a car insurance discount. (But keep in mind that some carriers only offer this discount if the device is factory-installed and not if you choose to add an anti-theft device later.)

13. Military.

If you’re in the military or were in the military, you could save money on your car insurance. The discount could even apply to your family, too. Definitely check into that when you’re getting car insurance.

14. Loyalty.

Insurance companies value loyalty. If you stick with your car insurance company for years, they might thank you by giving you a discount on your rates. Look into it and see how that works with your carrier.

15. Affiliation with a club, employer, group, school, etc.

Your insurance company might offer discounts if you’re involved with a group that they’re affiliated with.

There are a lot of car insurance discounts out there that could help you save money on your rates … just by being you. Do some research about your carrier. Check out their website and see what discounts they talk about. Call your insurance agent and ask them to explain what discounts they offer. You might have to be proactive about it. Your insurance company can’t give you discounts for things they don’t know about.

Looking to save money on your car insurance? We would be happy to help by getting you an Atlanta auto insurance quote. Our agents are pros at helping people get great coverage at a great rate, and we’ll be happy to talk about car insurance discounts with you. Get started with your quotes by filling out our online form or giving us a call today.