Each day there are new discounts being added by Insurance Companies to hook you in and welcome your business. Some of these discounts have previously been hidden by the companies, or only offered to certain members. Be sure to ask your insurance company whether they offer discounts for these particular factors.

Group insurance plans are on the rise. Having membership in certain groups that take advantage of premium rates is definitely helpful. You might be surprised at how cheap these rates can be. Be sure to mention any affiliations with your insurance agent.

Many insurance companies are now offering paperless billing and policies. All aspects of the insurance plan is done online, eliminating unnecessary paperwork. If you opt to ‘go green’, you may save a great deal of money on your policy as an incentive.

If you drive a Hybrid you might have a reduced insurance bill as well. Your insurance company knows that if you drive a Hybrid, you are generally a more responsible, aware and safe driver.

If you have a new car, keep your old car on the policy as well. Having the older car keeps the policy down. If you choose to cover only your new car, you will end up paying more for your premium as well as being forced to retain full coverage at all times.

Keep yourself claim-free! Drivers who haven’t had any tickets or accidents, and have never had to file a claim, pay a significantly lower premium. If you have had an accident or a ticket, or both, it isn’t the end of the world. Do what you can to clean up your driving record by starting to drive defensively and safely now. After a few years, your driving record will clean up and you can start with those cheaper rates!

Filed under: Getting Discounts, Tips and Secrets