Car insurance from a company like Ahlquist Insurance is something every driver needs, and it can get expensive when you have full coverage. Many large insurance carriers offer extra discounts to drivers for certain items that they may not be aware of. Here are a few ways you can save some extra money when you're shopping for auto insurance.
Extra Safety Features
Since insurance is a measurement of risk, car insurance companies will lower premiums for drivers who own a car with added safety features. If you have a good anti theft alarm system, be sure you let your agent know. Other safety items that can give you a small discount include airbags for the driver, passenger, and side airbags. Other appealing features include anti-lock brakes. Make sure you let your insurance company know about all of these features to see if you're eligible for a lower rate.
If you really only use your car to go to and from work, let your insurance company know the average number of miles you drive per month or year. Since there is less risk for people who drive less, it makes sense that your insurance rates should be lower. Some companies now offer free mileage trackers as part of their incentive program. This tracker is installed in your car and will let the insurance company know just how often (or how little) you drive your car. That can translate into some pretty significant savings over the long term.
Insurance companies may also provide special discounts for active military members and police officers. Ask your carrier if they provide these kinds of discounts. They could ask to see your military paperwork or proof that you're a member of the local police force, but it's worth it to save extra money. There might be extra discounts for college student drivers as well. You will be required to show your insurer your college transcript as proof of your college enrollment, but the savings can be significant.
Many large insurance companies provide more than just car insurance. Today's big carriers also offer homeowners, renter's, and even life insurance. If you have any of these policies already, you will probably be eligible for a bundle discount if you insure your vehicle with the same company. In addition, if you have more than one vehicle and insure it with the same company, there should be a multi-driver discount available. These simple tips should help you spend less money each month on your auto insurance, which can translate into big savings in the long run.