14 common Atlanta car insurance discounts you should ask about

Car insurance discounts are a great way to save money.

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 14 common car insurance discounts you might want to look into.

14 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.

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.

What Atlanta home insurance discounts am I eligible for?

Home insurance discounts are an easy way to save money on your premium.

There’s a lot of responsibility that comes along with owning a home. You have to maintain it. You have to cut the grass so that HOA won’t send snide letters. You have to manage the bills. And you have to get home insurance. But that sounds expensive…so you’re probably trying to find out how to save money on home insurance. Well, have we got some good news for you – discounts are an easy way to save on your premiums.

And it just so happens that we’ve got a list of 15 common home insurance discounts that you could qualify for.

15 common home insurance discounts

Before we start, we have an important note:

Each home insurance company offers different discounts and different levels of savings. In order to find out how discounts could help you save, you need to find out what discounts your particular company offers.

That being said, below are 15 common home insurance discounts that you could qualify for.

1. Bundling.

Bundling is when you get multiple policies from the same company. If you get your home insurance and your auto insurance from the same carrier, you may be able to get a discount. In many cases, bundling is less expensive than getting each policy separately.

Pro tip: Make sure you get the coverages and limits you need on both your home and auto insurance.

2. Home security system.

There are many reasons why a home security system can help you qualify for a discount. Many carriers offer a discount if you have a monitored burglar alarm because alarm systems serve as deterrents for burglary and help the police respond more quickly to a break-in.

3. Claims-free.

Some insurance companies will give you savings if you’ve gone a long time without a claim. Check and see if your carrier will lower your premiums for being claims-free and how many years you have to go without a claim.

4. Roof.

There are a few potential discounts that depend on your roof. You could get a discount if you have a new roof or if you have an impact-resistant roof. Be sure to let your agent know if you get a new roof or if your roof is resistant to hail damage.

5. Loyalty.

Some insurance companies will offer a discount to customers that have insured their homes with them for many years.

6. New home.

If you purchase a home and thus become a new customer to the insurance company, you could qualify for a “new customer” discount. Normally you must have purchased the house within the past 12 months to be eligible.

Different home insurance companies offer different discounts.

7. Home improvements.

Home improvements that make your home safer or stronger might help you get a discount. For example, new wiring, new plumbing, a new air-conditioning unit, or a new roof could qualify you.

8. Home fire safety.

You could get a discount if you have home fire safety measures at your home, such as a monitored fire alarm system. The faster the fire department can respond to the fire, the less damage your home will sustain. And thus the discount.

9. Non-smoker.

Fire is definitely not something insurance companies like. Many house fires are started by smoking or smoking materials, so some insurance companies offer a non-smoker discount. (Just keep in mind that the percentage of savings will vary from company to company.)

10. Gated community.

If you’re in a gated community, there’s less risk of burglary. You’ve got some extra security. And since your home is more protected against theft, you might get a discount from your carrier.

11. Mature homeowner.

Those who are retired tend to be home during the day more often than someone who works. Most burglaries occur during daylight hours – contrary to popular belief that nighttime is a burglar’s prime time – for that very reason. But if you’re home during the day, your presence might deter a thief (most thieves look for the easiest target.) Plus, if you’re home you can head off a catastrophe like a burst pipe before it turns your kitchen into a swimming pool. You’ll also be able to raise the alarm if there’s a fire.

12. Homeowner’s association.

Your community’s HOA most likely has strict standards for home maintenance. Plus, many HOA communities have neighborhood watches that can deter crime.

13. Married/widowed.

Some carriers offer discounts for homeowners who are married or widowed. If that’s you, it could be worth looking into.

14. Water/Natural gas leak sensor.

Some homes are high-tech and have sensors that will alert you to a water leak – and the sooner you find out about a leak, the better. Some sensors even turn off the water if they detect a leak, reducing the potential damage even further. And some homes have detectors for natural gas leaks.

15. Paying in full.

Some home insurance companies offer a discount if you pay for the policy in one go rather than paying your bill monthly. The insurance company will be happy to have all their money.

If paying in full won’t work for you, that’s okay. You could also get a discount for setting up automatic payments.

So, those are some common home insurance discounts that you could be eligible for just by being you. Be sure to talk to your agent and ask them if there are any discounts you could be eligible for. And keep them informed of any significant changes to your home – for instance, getting a new roof or a home security system. And let them know about life changes, like getting married. Remember, they can’t give you a discount if they don’t know you qualify for it!

Looking to save money on home insurance? We would be happy to help. We can shop for the best coverage at the best rate so you get some peace of mind. All you have to do to get in touch with our team of insurance experts is fill out our online quote form or give us a call.