Your key to serious car insurance savings

First Coast News investigates and lets Northeast Florida viewers know how to get car insurance savings. They provided good tips for viewers that insurance companies don’t necessarily want the public to know.  One of the ways to save on car insurance is to get married. That’s just one of the few ways you can lower your premiums. The newscaster also says to shop the various auto insurance companies. gives great low quotes from all the major provides and lines up your best quotes side by side so you can get an unbiased comparison.

The following are other tips provided by

Marital Status
— Getting married young can save a lot of money on car insurance; a married 20-year-old pays 21% less than a single 20-year-old for the same policy.
— At age 25, the average marriage savings is down to 7%, and it falls to around 2% at age 30 and beyond.
— Hawaii is the only state where insurance companies are not allowed to factor marital status into their rate calculations.
— 20-year-old men pay 22% more than 20-year-old women for the same coverage.
— The gap narrows to just 3% at age 25.
— From ages 30 to 55, average premiums are actually slightly lower for men.
— It flips after age 55, when women pay slightly less than men.
— Three states do not allow insurance companies to factor gender into their rate calculations (Hawaii, Massachusetts and North Carolina).
— did not observe any cost differences between male and female drivers in Pennsylvania and Montana, even though using gender to calculate premiums is technically allowed in both states.
— Car insurance costs decrease every year until age 60.
— The sharpest drop is from age 20 to age 25, when rates decrease 41%.
— From age 25 to age 60, rates drop another 18%.
— There isn’t much of a penalty for senior citizens. 75-year-old drivers only pay 17% more than 60-year-olds. Put differently, 75-year-olds pay 43% less than 20-year-olds.
— Hawaii is the only state where insurance companies are not allowed to factor age into their rate calculations. In California, age cannot be explicitly included, but years of driving experience can be included.

Here are more tips from on getting discounts:

Bundling Discount:
If you buy multiple types of insurance from the same provider you can often save money. That means if you get your life insurance, auto insurance and home-owners insurance from the same company, they will likely give you discounts on each and every one of them. With most companies the more types of insurance you bundle, the more you save off the price of buying them all separately.
Club Membership Discount:
Certain clubs and organizations have worked out deals with various insurance companies to provide discounts to their members. In fact, some of these discounts can apply not only to your auto insurance, but also to your other types of insurance coverage. Not every club or organization has these types of deals in place and not every insurance company honors them. Generally it’s a good idea to check with all the organizations to which you belong and find out what discounts (if any) they have arranged and with what companies.
Defensive Driver Discount:
Taking defensive driving courses is another way to get a discount on your auto insurance rates. Just like all the rest of them, not every company offers this discount, but many do. It can represent as much as ten percent off on your premium. That could even be incentive to get in there and hit the books a little harder. You will not only get a better grade out of the situation but you could also get a hefty discount on your auto insurance. That’s what they generally call a win-win situation. Not only that, you may end up learning some important defensive driving techniques that can actually help you avoid an accident – saving both yourself (and your insurance company) a lot of money – not to mention keeping you and your loved ones safe and sound.
Equipment Discount:
Buying a car with safety or security equipment can bring discounts on your auto insurance. Even having some of those types of items installed after-market can often save you money. A lot depends on the type of equipment and the insurance company, but it is a discount worth pursuing.
Good Student Discount:
This discount is one that definitely varies from company to company in pretty much every regard. In general, though, if you fit into the category your provider defines as qualifying for the “good student discount” you can save money on your car insurance. In fact, companies often provide discounts in excess of ten percent. The theory behind this discount is that good students are better drivers. Generally the discount only applies to full time students. The qualification to fit under the good part of the heading can vary from company to company. For some companies it’s a GPA in the upper twenty percent. For others it’s a B average. For others it’s making the “dean’s list”. Usually there is an age limit as well, but the discount applies to both high school and college students. Just like all of these discounts, this is not necessarily universal. You might find a company here and there that doesn’t offer it.
Good Driver Discount:
This one sounds pretty obvious, a discount for being a good driver. The thing is, not all companies offer this. Some of them just figure the numbers into their base quotes – you get the best rate if you have no violations and then violations make your rate higher. Even what qualifies you for a “Good Driver Discount” can vary from insurance provider to insurance provider – and sometimes there are factors other than your driving record applied (location where you live, where your car is parked most of the time, etc.) This is definitely another discount that is different with each company that offers it. Still, you could save as much as twenty percent if you qualify – so it’s definitely worth the time to explore it.
Low Mileage Discount:
Many people have cut down on driving in recent years. If you are one of them it might make you eligible for low mileage discounts. The idea behind a low mileage discount is that the less you drive the less chance you have of getting into an accident and causing the insurance company money. While not every company offers these, with the ones that do you might be able to save as much as ten to fifteen percent off your insurance premium. If you’ve recently changed jobs and your daily commute is shorter than it was before, make sure to contact your car insurance agent to see if your reduced estimated weekly mileage makes you eligible for a discount.
Military Discount:
Anyone who has been in the military knows that military discounts abound. You can find them in all lines of business – not just insurance. Many auto insurance companies provide discounts for current and former members of the military and their families. Who qualifies can vary from company to company – in general current members of the military are always eligible for this discount. Of course, that applies only to companies that offer a Military Discount and not all of them do. The amount will be different with different companies, too.
Multiple Car Discount:
Much like bundling, insuring more than one car will get you a multiple car discount. While not every company offers these types of discounts, most do. The amount can vary depending on a lot of factors. Certainly the specific company will affect the variance, but so will the make, model and year of the vehicles, the number of cars and other factors. Interestingly enough, it’s possible in some instances to insure two cars for less than the price of insuring one of them. Of course, that’s not the most common situation, but it’s assured that if your company offers this type of discount you will save money with it.
Payment Method Discount:
A lot of insurance companies offer a discount if you set up some form of automated payment. This can be an auto debit to a checking account – a scheduled charge to a credit card or something else. Check with your insurance company to see what discount, if any, they offer and what the terms and conditions are.
Remember that most of these discounts are cumulative. So, if you’ve got a lot of them you might really be able to save. Even if you are only eligible for one or two, though, be sure to claim them. That way you won’t be paying more than you really need to for your auto insurance coverage.
What should you take from this blog? Insurance companies often reward policyholders for being good drivers―whether through taking defensive and safety courses or being accident-free for a certain period of time ― and  beefing up your vehicle’s security with anti-theft and other safety equipment can help knock a few bucks off your premium.

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