5 Ways to Get Car Insurance Discounts

One of the best ways to get cheap car insurance rates is to qualify for discounts. Here are five ways you can get money-saving car insurance discounts.

1. Your college degree could save you money. Some insurers have now started offering cheap car insurance rates to college graduates with certain degrees. The companies found that graduates with degrees in certain fields represent a lower accident risk than those with degrees in other fields. Thus, if you have a degree in any number of science or engineering-related fields, such as biochemistry, math, or chemical engineering, you might be able to get a discounted premium on your insurance. With some companies, if you are a scientist or an engineer, you can save between 10%-30% on your cheap car insurance rates.
2. Teachers get big breaks. Having a low-risk profession is also rewarded by auto insurers. Historically, teaching and farming have been two of the lowest-risk occupations. If you are a full-time university professor or a state certified educator in some locations, you might qualify for cheap car insurance rates with this discount. Savings on your cheap car insurance rates can range from 10%-30% with this discount.
3. The military helps you save. Most major insurances offer discounts on cheap car insurance rates for active or retired members of the military. The military discount might not be available in all states. Some companies will even allow you to drop all coverages on your policy except comprehensive if you are sent overseas to save you money on your cheap car insurance rates.
4. Your golden years can save you money. People of retirement age can save big on their cheap car insurance rates with AARP and senior citizen discounts. You can reduce your cheap car insurance rates by as much as 45% with an AARP membership. The AARP program gives drivers a 20%-25% discount for insuring multiple vehicles on one policy, a 10% discount for having both a homeowners insurance and auto insurance with the same company, and a 5% discount for staying with the same company for five years without having any violations on your driving record.
5. Use the Internet. Some companies allow eligible drivers to save up to 10% on their cheap car insurance rates by completing certain courses, such as the one offered by the National Safety Council (NSC). You can take this entire course and the exam on the Internet for around $30 without ever having to leave your home. Also, you may view the cheapest cars to insure on the next page.