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Arbella Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/20/2015

Finding ways to save money with Arbella car insurance discounts.

Arbella car insurance discounts range from getting a discount for being deployed active military to driving an electric car. You just never know what discounts you might qualify for with them until you contact them.

Arbella Vehicle Discounts

  • Hybrid/Electric Car Discount – Up to a 10% discount  for driving a hybrid or an electric car.
  • Anti-theft Discount – For certain anti-theft devices, Arbella Will Discount Your Car Comprehensive Coverage Insurance Premium As Much As 36%

Arbella Drivers Discounts

  • Good Student Discount – Full-Time Students who have less than six tears of driving experience, and are on the Dean’s List/Honor Roll Or Maintain A “B” Or Higher Average can qualify for a discount.
  • Safety-Training Discount – New drivers who complete a safety-training program that includes both an Arbella-approved online training curriculum and a driver simulator can save up to 7%.
  • Additional Driver Training Discount – Up to a 5% discount for new and inexperienced drivers who successfully complete both the basic driver training course and another qualifying program.
  • Motorcycle Rider-Training Discount – Up to a 10% discount for those hat have completed an approved motorcycle rider-training program.
  • Experienced Operators Discount – Drivers age 65 Or older may be eligible for a discount of up to 25% Discount

Arbella Policy Discounts

  • Paid In Full Discount – Save 3% just for paying your premium in full.
  • Multi-policy Discount – You could be eligible for Savings of up to 10% if you have other personal insurance With Arbella or a qualifying company.
  • Multi-vehicle Discount – Having more than one car insured with Arbella can save you another 2%.
  • Loyalty Discount – Every year you renew your Arbella car insurance policy, you may be eligible to earn an additional 1% of your premium.

Arbella Lifestyle Discounts

  • Deployed Militay Discount – Drivers who are deployed on duty more than 100 miles from where their car Is garaged can qualify for a 10% discount.
  • Away College Student Discount – Earn up to a 10% discount when your college student goes off to school more than 100 miles away and leaves the car at home.

Arbella Special Discounts

  • Annual Mileage Discount – If your annual mileage is less than 10,000 miles a year you could get a discount for that too.

Please note though, that because we are not ArbellaInsurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Arbella car insurance discounts that are offered by the company, contact your Arbella insurance agent or enter your zip code at the top of the screen for a personalized quote.

American Family Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/19/2015

Finding ways to save money with American Family car insurance discounts.

American Family Car Insurance Discounts are offered for a wide variety of reasons by American Family Insurance, including some that you don’t always see from other companies.  If you don’t already have American Family and some of these discounts apply to you, you may want to look into getting a quote from them.

American Family Vehicle Discounts

  • Air Bag Discount – Discount rates range from 10 to 30 percent for private passenger vehicles that are equipped with factory-installed air bags.

American Family Driver Discounts

  • Accident-Free Discount– In certain states, good drivers are eligible for a 5 percent discount if you’ve insured your vehicle with American Family Insurance for three consecutive years without an accident. After 6 years without an accident, you could be eligible for a 10 percent insurance discount.
  • Good Driver Discount – Drivers that have no accidents, violations or claims could receive 5 to 10 percent off their premiums.
  • Defensive Driver Discount – 5 to 10 percent discount for those that have completed an approved defensive driving course and meet specific age requirements.
  • Good Student Discount – This discount varies based on certain factors that your American Family Car Insurance agent can go over with you.
  • mySafetyValet — Based on driving performance, this discount could save you 5% at first and then after six months into the program, up to 30%. Discount percentages vary. This program is not available in all states.

American Family Policy Discounts

  • EarlyBird Discount – If you’re an auto customer holding an active policy with another carrier and receive a quote from us at least seven days before it goes into effect, there may be a discount in it for you. Discount percentages will vary
  • Multiple Vehicle Discount – Insure one or more vehicles on the same policy and you could paying less than if they were insured on separate policies
  • Steer into Savings Discount – Switching to American Family from another insurance company could qualify you for a discount

American Family Special Discounts

  • TimeAway Discount – For drivers up to 24-years-old who are attending school 100 miles or more away from home and do not have the insured vehicles could be eligible for a discount.

Please note though, that because we are not American Family Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current American Family car insurance discounts that are offered by the company, contact your American Family insurance agent or enter your zip code at the top of the screen for a personalized quote.

AAA Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/02/2015

Finding ways to save money with AAA car insurance discounts.

AAA car insurance discounts aren’t restricted to just members of AAA. Anyone that has AAA car insurance could possibly qualify for any of the following discounts.

AAA Vehicle Discounts

  • Multi-Car Discount – Discounts are available when two or more qualifying household cars are insured through AAA with mandatory coverages.
  • Anti-Theft Device Discount – A discount on the comprehensive coverage of policies are available if your vehicle has an approved theft prevention or recovery device

AAA Drivers Discounts

  • Discounts for Good Drivers -Reduced rates are available for drivers who become and remain free of any claims or driving violations.
  • Good Student Discount – Qualifying full-time students who maintain a B average or better in school can qualify for a discount based on their grades
  • Defensive Driver Discount – Drivers 55 and older may be eligible for savings if they take an approved defensive-driving class

AAA Policy Discounts

  • Multi-Product Discount –  You may be eligible for a discount on your auto insurance premium if you purchase a home, renters or other insurance line with them.

AAA Special Discounts

  • AAA Membership Discount – A discount for belonging to AAA
  • Group Rate Discount – Belonging to certain groups (credit unions, professional associations and employer groups, etc.) can qualify you for a discount.

Please note though, that because we are not AAA Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current AAA car insurance discounts that are offered by the company, contact your AAA insurance agent.

 

 

 

 

GEICO Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/02/2015

Finding ways to save money with GEICO car insurance discounts.

GEICO car insurance discounts not only can save you money, but they really show how much his company supports our current and former military. Some of these discounts just may get you to consider getting a GEICO quote if you aren’t already a customer of theirs.

GEICO Vehicle Discounts

  • Air Bags – Up to 25% savings for driver-side air bags or 40 for full-frontal seat air bags on specific coverages.
  • Anti-Lock Brake System – 5% discount on the collision portion of your premium for anti-lock brakes.
  • Anti-Theft System – Cars with a built-in anti-theft system get up to 25% off their comprehensive coverage.
  • Daytime Running Lights – 3% discount on certain car insurance coverages for daytime running lights

GEICO Drivers Discounts

  • Five-Year Accident-Free Good Driver –Being accident-free for five years, can save you up to 26% on most coverages.
  • Seat Belt Use –  Discounts of up to 15% off the medical payments or personal injury protection portion of your premium for everyone wearing their seatbelts.

GEICO Policy Discounts

  • Multi-Car – Insure two or more cars with GEICO and you could get a discount of up to 25%.
  • Multi-Policy / Multi-Line Discount – When you insure your car through GEICO and have a Homeowners, Renters, Condo or Mobile Home policy through the GEICO Insurance Agency, you could get a discount on your car insurance.

GEICO Lifestyle Discounts

  • Emergency Deployment – If you’re part of an emergency deployment to imminent-danger zones, you could be eligible for an auto insurance discount of up to 25%.
  • Military – Active duty, retired, an members of the National Guard or Reserves may be eligible for a discount of up to 15% on your total car insurance premium.
  • Membership And Employee Discounts – Auto insurance premium discounts available to one of the 500+ groups listed here.
  • Federal Employee (Eagle Discount) – Active or retired federal employee can qualify for up to 8% on the total auto insurance premium.

For more details on these and other GEICO car insurance discounts, contact GEICO.

Allstate Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/01/2015

Finding ways to save money with Allstate car insurance discounts.

If you are with Allstate, here are some of the Allstate car insurance discounts that you could receive or should be receiving.

Allstate Vehicle Discounts

  • Passive restraint discount  – If your car has factory airbags and motorized seat belts, you could save up to 30%.
  • Anti-lock brake discount – 10% discount for anti-lock brakes.
  • Anti-theft device discount – anti-theft devices in your car can save you up to 10%.
  • New car discount – Save up to 30% if you’re the first owner of the vehicle and your car is only two years old.
  • Economy car discount –  Insuring an environmentally friendly car could help you earn up to a 10% off your premium.
  • Utility discount – Save up to 15% when you own a 2002 and prior utility vehicle.
  • Farm vehicle discount -Save up to 10% when you vehicle is used primarily for farm or ranch work.

Allstate Drivers Discounts

  • Premier discount – Save up to 22% for driving 3 years with no violations or accidents.
  • Premier plus discount – Save up to 35% for driving 60 months with no accidents or violations.
  • Safe drivers discount – Your safe driving habits = up to 45% in car insurance savings.
  • teenSMART discount -Save up to 10% when your teen successfully completes the teenSMART driver education program.
  • Defensive driver discount – Drivers who are 25 years old, have completed six or more hours of defensive driving courses and have no violations and no at-fault claims can save up to 10%.

Allstate Policy Discounts

  • EZ pay plan discount – Save up to 5% if you pay your auto insurance through automatic withdrawal.
  • eSmart® discount – Sign up for ePolicy and save up to 10%.
  • FullPay® discount – Save up to 10% when you pay your policy in full.
  • Auto/Life Discount – Enjoy a discount on your auto insurance just by purchasing a life insurance policy.
  • Multiple policy discount – Save up to 10% on your auto insurance when you purchase home or renters insurance also.
  • Early Signing Disco.unt® – Save up to 10% when you sign your policy seven days before its effective date
  • Good payer discount – Save up to 5% for no cancellation notices for non-payment during the past 12 months.

Please note though, that because we are not Allstate Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Allstate car insurance discounts that are offered by the company, contact your Allstate insurance agent.

 

 

 

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.