It is always against the law to drive without auto insurance, but that doesn’t mean you have to murder your cable TV or your subscription to Better Homes & Gardens. There are better ways to save money and keep your finances in line, including these unique auto insurance discounts.
1. Safe Drivers
Being a safe driver has its advantages: You don’t have to pay for costly repairs to a damaged vehicle, no one ever gets hurt on your watch and you might qualify for unique auto insurance discounts. Specifically, some states require that insurers provide premium discounts to consumers who complete driver safety courses, according to the AARP.
Thirty-six states require the discount if you take the Driver Safety Program in a classroom with an approved instructor, and 10 states even require it if you grasp the course online. This can mean a serious auto insurance reduction even if you’ve had tickets or accidents in the past.
2. Retirees
Did you know that there are unique auto insurance discounts for retirees? Some car insurance companies give reduced rates to seniors who are at least 55-years-old and are no longer employed full-time.
This is not a requirement, of course, and all insurance providers are different. However, if you can find a provider in your dwelling who offers this discount, you’ll save a bundle on car insurance.
3. Students
Younger drivers aren’t left in the dust. Other unique auto insurance discounts include reduced rates for full-time students. If you’re getting your education, you probably don’t have extra money to throw around, and with the discount you might be able to afford a few non-Ramen meals outside the dorm.
In most cases, unique auto insurance discounts for students require that the consumer be under 24 or 25 years of age and maintain a certain grade point average. You might not qualify if you are married or included on your parents’ insurance coverage.
4. Students’ Parents
One of the most recent auto insurance discounts available is the reduced rate for students’ parents. If you support a child (he or she lives with you, in other words) you might qualify for a discount. However, there are always lots of stipulations, so you’ll want to check with your insurance agent for details.
5. Farmers & Ranchers
Many farmers and ranchers own dedicated vehicles that never leave their property. In this case, you might qualify for a unique auto insurance discount that insures your truck for less.
Remember that in order to qualify for this discount, you will need to own an applicable vehicle that follows the rules on the policy. Otherwise, you might wind up paying much more.
There are plenty of other current auto insurance discounts that you might not have heard about. If you want to take advantage of them, you’ll need to sit down with your insurance agent and discuss the options available to you.
It is also a good plan to research other insurance providers from time to time. You never know when a unique auto insurance discount is going to crop up that would save you money on car insurance.
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Filed under State Farm Auto Insurance by on Feb 16th, 2011. Comment. 
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Filed under State Farm Auto Insurance by on Nov 9th, 2010. Comment.
