Below there is a list of ways to increase your chances to get discount auto insurance. Some of the methods you will find very useful while others might not fit your exact situation, but by using any of these ideas you will be able to save some money.

1. Comparison Shop: This is one of the easiest ways of all the techniques to save money. Insurance organizations have multiple rating variables, so comparison shop amidst as many companies as possible.

2. Don’t Make Monthly Payments: Making monthly payments is usually more expensive to the policyholder. Try to pay the policy in full or in two payments if possible to save the largest amount of money.

3. Use Electronic Funds Transfer: By using this method you can save up to 6 dollars per payment that’s a savings of $72 per year if you chose a monthly billing cycle. It’s easy and extremely secure, your funds will be automatically deducted from your banking account.

4. Don’t Wait Until The Last Minute To Buy: Certain companies will give you a discount if you get your auto insurance rates more than 7 days prior to the policy start date.

5. Credit Scoring: Most large insurance organizations have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but your score still makes up a big chunk of it. If you can increase your credit score you will generally pay less. There are organizations that if you refuse to give your social security number they then can’t run a credit analysis. Then they will give you a general rate which might be better if you know you have lousy credit.

6. Take a Drivers Training Class: You will usually be a cost associated with taking the class but it gives you a auto insurance discount for 3 years. When the discount expires you can pay and retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.

7. Request A Higher Collision Deductible: You will take on more risk by doing this but can easily save one hundred dollars by going from a $500 to $1000 deductible. It’s not recommended to increase your comprehensive deductible since it would be a very small savings.

8. Inquire If There Are Other Discounts: There are many discounts you may receive but might not know about. So, ask what other discounts are available. Some discounts are a more than one car on the policy, more than one policy, incident free driver, vehicle safety feature discount and good student just to name a few.

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