While you don't want to skimp on car insurance, you don't want to pay more than you have to. Here's a list of common discounts car insurers offer. Check with your insurance company to see if any of these discounts apply to your policy.
Low-mileage drivers
Insurers have stepped up these programs in response to driving cutbacks caused by $4 gasoline and, more recently, a weak economy.
Pay as you drive
Insurers are testing rate modifications for cars with on-board systems that record driving times and mileage. Progressive's "MyRate" program is now in eight states and expanding.
Group insurance
Check out group or affinity programs from your employer or from your professional and business groups.
Safe drivers
Discounts frequently are offered, usually after three years with no accidents or moving violations. You may also qualify for a cut if you have recently taken a defensive driving course.
Students
Price breaks are offered for students who have taken driver education or receive good grades. Also, if you're away at school, your rates might decline during the school year.
Safety features
Air bags, anti-lock brakes and anti-theft devices can translate into lower premiums.
Buy your car and home or rental insurance from the same insurer
Discounts often are available and many consumers add what's called an "umbrella" liability policy on top of both their car and home or rental insurance.
Seniors
Some insurers offer discounts to older drivers.
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