Auto insurance is required by law to protect drivers and
other people on the road. While it may seem costly, there are many discounts
that can be offered based on your age and risk factors. The less of a risk you are
to your insurance company, the lower your premium will be. When looking for
discounts on car insurance in Brandon, MS, here are a few you can expect to
see.
Safety Feature Discounts
Many insurance providers will offer discounts based on the safety equipment in your car. If your car has automatic seatbelts or driver-side and passenger-side airbags, you may be able to get an additional discount on your insurance premium. Other safety features that might be taken into consideration are antilock brakes, blind spot detection, and lane departure warning systems. Speak with your insurance carrier to see if this type of discount is available to you.
Multivehicle and Bundling Discounts
Many options for car insurance in Brandon, MS, will offer you discounts if you have more than 1 policy with them. For example, if you have more than 1 car insured through them, usually a discount is available. Many carriers will also offer a discount if you get your homeowner's, renter's, or motorcycle insurance through them. Because your business is valuable to them, they want to incentivize you to turn to them for all of your insurance needs.
Discounts for Your Kids
Once your children become old enough to drive, you may notice an increase in your premium. Most of the time, individuals less than 25 years of age have a higher premium than that of others. However, there are many discounts that can help to reduce that cost. First, if your child is under the age of 25 and is enrolled in high school or college full-time, they may qualify for a good student discount. Your student would need to maintain a 3.0 GPA or be on the honor roll to maintain their good student status. Most of the time, this discount will require proof of enrollment and status every semester. Many insurance companies will also offer your teen a discount if they complete defensive driving courses or approved driver's education courses. Speak to your insurance carrier to explore discounts that may apply to your kids!
Good Driver Discounts
Because your insurance company wants to insure good drivers, they may offer a good driver discount. This is available to those who have a clean driving record. Speeding tickets, DWI/DUIs, and reckless driving can all impact, and even increase, your insurance premium. However, if you keep your record clear of any tickets and accidents, you may qualify for this discount. If you do have a few marks against your driving record, many companies will still allow you to receive this discount after a a specific time, usually 2-3 years, as long as you don't accrue any other detrimental marks. Taking defensive driving courses or additional driver's education classes can also earn you discounts depending on your provider.
Low Usage Discounts
Auto insurance rates are based on risk. The less you drive your car, the less of a risk you are. Most companies will offer discounts if you use your car for less than 7,500 miles per year. If you are a senior, or if you carpool to and from work, this might be a discount worth looking into. Some companies may even offer a pay-as-you-go program that will allow you to pay an insurance premium based on the amount you drive. This usually involves installing a device that will track how much you drive.
If you are wondering about discounts for your car insurance in Brandon, MS, speak with your insurance company. It might pay to be a safe driver!
Safety Feature Discounts
Many insurance providers will offer discounts based on the safety equipment in your car. If your car has automatic seatbelts or driver-side and passenger-side airbags, you may be able to get an additional discount on your insurance premium. Other safety features that might be taken into consideration are antilock brakes, blind spot detection, and lane departure warning systems. Speak with your insurance carrier to see if this type of discount is available to you.
Multivehicle and Bundling Discounts
Many options for car insurance in Brandon, MS, will offer you discounts if you have more than 1 policy with them. For example, if you have more than 1 car insured through them, usually a discount is available. Many carriers will also offer a discount if you get your homeowner's, renter's, or motorcycle insurance through them. Because your business is valuable to them, they want to incentivize you to turn to them for all of your insurance needs.
Discounts for Your Kids
Once your children become old enough to drive, you may notice an increase in your premium. Most of the time, individuals less than 25 years of age have a higher premium than that of others. However, there are many discounts that can help to reduce that cost. First, if your child is under the age of 25 and is enrolled in high school or college full-time, they may qualify for a good student discount. Your student would need to maintain a 3.0 GPA or be on the honor roll to maintain their good student status. Most of the time, this discount will require proof of enrollment and status every semester. Many insurance companies will also offer your teen a discount if they complete defensive driving courses or approved driver's education courses. Speak to your insurance carrier to explore discounts that may apply to your kids!
Good Driver Discounts
Because your insurance company wants to insure good drivers, they may offer a good driver discount. This is available to those who have a clean driving record. Speeding tickets, DWI/DUIs, and reckless driving can all impact, and even increase, your insurance premium. However, if you keep your record clear of any tickets and accidents, you may qualify for this discount. If you do have a few marks against your driving record, many companies will still allow you to receive this discount after a a specific time, usually 2-3 years, as long as you don't accrue any other detrimental marks. Taking defensive driving courses or additional driver's education classes can also earn you discounts depending on your provider.
Low Usage Discounts
Auto insurance rates are based on risk. The less you drive your car, the less of a risk you are. Most companies will offer discounts if you use your car for less than 7,500 miles per year. If you are a senior, or if you carpool to and from work, this might be a discount worth looking into. Some companies may even offer a pay-as-you-go program that will allow you to pay an insurance premium based on the amount you drive. This usually involves installing a device that will track how much you drive.
If you are wondering about discounts for your car insurance in Brandon, MS, speak with your insurance company. It might pay to be a safe driver!
By: Jordan
Rocksmith
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contact Alfa Insurance for the most knowledgeable agents in town. Car Insurance Brandon
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