Tips For Maximizing Your Auto Insurance Discounts

Like most people, you are probably on the prowl for ways to save money on your auto insurance. Thankfully, there are quite a few techniques that you can use to save a bundle of cash, as long as you are willing to put in a bit of effort. Here is one such strategy that you can use: discount hunting.

Talk to the Insurer 

The first thing that you want to do is talk to your insurance agent (or whatever insurance company you are currently vetting), and ask about the discounts that they offer. Ideally, they should have a nice brochure of discounts and benefits that you can look at. By comparing the groups that you and your family belong to, you might find a discount that you didn't even know existed!

Most companies will offer discounts for veterans, but you might find some additional discounts if you are a college graduate, married, retired, own your home, or even if you simply have multiple cars or drivers insured by the same company. While they are likely bundled together already for a discount, you can ask to see if you can get your costs reduced any further. It never hurts to double-check, because you never know if they accidentally forgot to apply a certain discount to your bill.

Identify Discounts That You Can Easily Obtain

Armed with that list of discounts, you want to look into the discounts that you can obtain without putting in too much effort. For example, attending a defensive driving course may take a little bit of time and money, but it could save you a lot of money in the long term. Similarly, getting a dashboard camera might be a bit expensive initially, but the benefits can massively outweigh the costs. On top of the financial benefits of these discounts, they can greatly increase your safety, both by preventing crashes from happening and allowing you to prove your innocence if you do get into a crash that wasn't your fault.

Even if you never get into an accident, then the discount on your monthly insurance alone can be enough to justify the purchase. However, if you do get into an accident, then a dash cam can be crucial when it comes to proving your innocence. In some cases, dash cam evidence might even be compelling enough that it can be used in a personal injury lawsuit, allowing you to get compensation for the financial, physical, and emotional damage that you suffered as a result of the crash.