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Esurance Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 05/22/2015

There is something for everyone with Esurance Car Insurance Discounts.

Esurance Car Insurance Discounts look to be a little more modern and progressive than what is offered by the competition. So if you are looking for a company that offers unconventional discounts, then Esurance is probably a good fit for you.

Esurance Vehicle Discounts

  • Multi-Car Discount – This discount varies from one client to another and is available only to those that have more than one car on the same Esurance car insurance policy.
  • Anti-Theft Discount – Discount of 5% to 25% if you have a vehicle with an approved anti-theft device. This discount depends on the device that you have and what state you live in.
  • Safety Device Discount – From a 2% to a 33% discount for having a vehicle that has manufacturer-
  • DriveSense™ Discount – For those that drive a non-hybrid, non-electric, 1996 or newer model car and install an Esurance telematic device. The discount can save you 5 or 10 percent off your premium, depending on the state you live in.
  • Antilock Brakes Discount – A 5% discount for vehicles that have antilock brakes.

Esurance Drivers Discounts

  • Defensive Driver Discount – For drivers age 50, 55, or 60 and older, depending on your state, who have completed a defensive driving or driver improvement class approved by their state’s DMV.
  • Many conditions apply to this discount that can be clarified by contacting Esurance.
  • Good Driver Discount – A 30% to 40% discount for having a valid driver’s license for at least 3 years with one or zero penalty points on your driving record.
  • Good Student Discount – Savings of up to 10% on certain coverage in your Esurance car insurance policy for being a full-time high school, college, or university student under 25 years old with at least a 3.0 GPA.

Esurance Policy Discounts

  • Fast 5® Discount – Simply start a quote online at esurance.com and get 5% off your first-term premium.
  • Multi-Policy Discount – Purchase an Esurance homeowners or motorcycle insurance policy in addition to your auto coverage and receive the discount offered in your specific state.
  • Paid-in-Full Discount – A 10% discount for paying your premium in one lump sum instead of monthly intervals when you buy or renew your Esurance policy.
  • Switch & Save® Discount – Switch to Esurance from another insurance company and for your first two policy terms you could receive 5% off your premium.
  •  Claim-Free Discount – 10% to 25% off your premium for driving safely.  Contact Esurance for the details and conditions attached to this discount.
  • Homeowners Discount – Discount for owning a house or condo. Amount of discount varies depending on what state you live in and the drivers on your policy.
  • Renters Plus® Discount – Up to 30% of your Esurance renter’s coverage premium is deducted from your car insurance rate.
  • Emergency Road Assistance Discount – Up to a 5% discount for buying emergency road assistance from a provider other than Esurance.

Esurance Special Discounts

Pac-12 Discount – Up to 15 a percent on your premium just for attending or being alumni from one of these Pac-12 schools:

  1. University of Arizona
  2. Arizona State University
  3. University of California at Berkeley
  4. University of Colorado Boulder
  5. University of Oregon
  6. Oregon State University
  7. Stanford University
  8. University of California at Los Angeles (UCLA)
  9. University of Southern California (USC)
  10. University of Utah
  11. University of Washington
  12. Washington State University

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

Erie Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 05/15/2015

Save yourself money with one of these Erie car insurance discounts.

For the most part, Erie car insurance discounts are pretty much the same as the discounts offered by other insurance companies. There are maybe one or two discounts that are unique to the company, like the Youthful Longevity and Youthful Driver Discount, but not many more than that.

Please also check with your Erie car insurance agent about with discount you may qualify for, as many of Erie’s discounts are state specific.

Erie Car Insurance Vehicle Discounts

Passive Restraints Discounts – Discount received is you have items like factory-installed air bags.

Anti-theft Device Discounts – Discount given for your vehicle having active or passive anti-theft auto devices.

Anti-lock Brakes Discount – Discount given for having these types of brakes on your vehicle.

Erie Car Insurance Drivers Discounts

Youthful Driver Discount – Unmarried drivers under 21 who reside in their parent’s home may qualify for this discount.

Driver Training Discount – Young drivers under age 21 who have completed an accredited driver training course may be eligible to receive this discount.

Youthful Longevity Discount – Unmarried young drivers may receive a credit for the consecutive years spent insured under another ERIE auto policy.

College Student Discount – This discount is for full-time college students who are not married and who spend most of the college term away from home, without the use of a car.

Age 55 and Over Discount – A discount is available if the insured is the principal driver of the car.

Accident Prevention Course Discount – Discount for claims-free drivers  who have successfully completed an approved driver improvement course within the last three years may be eligible for this discount.

Erie Car Insurance Policy Discounts

Multi-Car Discount – A discount for when two or more cars are insured with ERIE and all of the vehicles are owned and used by the covered driver.

Multi-Policy Discount – Discount available for those that have a a qualifying life insurance policy or home policy from ERIE in addition to your auto insurance.

Reduced Usage – If your car is unused for at least  90 consecutive days during the policy period, you may qualify for the reduced usage discount.

Erie Car Insurance Company Unique Discounts

First accident forgiveness –Not really a discount, but still a savings you can qualify for. After three claims-free years, ERIE will not surcharge your auto policy the first time you’re in an at-fault car accident.

Feature 15 – After you have been with Erie Insurance continuously for 15 years, your policy will never be surcharged for an “at-fault” accident again. Again, not a discount but quite the savings.

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

Commerce Insurance Discounts for New Hampshire

Written by Michele Wilmonen. Posted in Research Last Updated: 04/30/2015

Finding ways to save money with Commerce Insurance Discounts in the state of New Hampshire.

Commerce Insurance discounts are available for all of their policies, and most current or future clients will qualify for at least some of the discounts. For your convenience, Commerce Insurance has provided a breakdown of the discounts available for each of the two states (Masschusetts and New Hampshire) they write in.

For the Commerce  Insurance discounts available in Massachusetts, please visit here.

Commerce  Insurance Vehicle Discounts

  • Anti-Theft Discount – up to 20% off of the premium for qualifying anti-theft devices.
  • Passive Restraint Discount – Up to 30% off of the medical payments coverage premium if your vehicle has factory installed automatic seatbelts.
  • Anti-Lock Brakes – 5% discount off Bodily Injury and Property Damage Liability coverage on vehicles that have factory installed four wheel anti-lock braking system.

Commerce  Insurance Policy Discounts

  • Account Discount – Up to 15% off your automobile premium when you insure home and auto through Commerce.
  • Loyalty Discount – Up to a 4% discount on your policy.
  • Multi-Car Discount – Up to a 25% discount for households that have two or more vehicles.

Commerce  Insurance Special Discounts

  • Shop Smart MA Insurance Discount – Up to an 8% discount when you purchase a new policy with us at least 7 days prior to the expiration date of your existing policy.
  • Financial Management Credit  – A credit of up to 34% is available to eligible customers. Contact your Commerce Insurance agent for more information.
  • AAA Member Discount – This is a 4% discount for those that have a valid AAA membership in effect.

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

Commerce Insurance Discounts for Massachusetts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/30/2015

Finding ways to save money with Commerce Insurance Discounts in the state of Massachusetts.

Commerce Insurance discounts are available for all of thier policies and most current or future clients will qualify for at least some of the discounts. For your convenience, Commerce Insurance has provided a breakdown of the discounts available for each of the two states (Masschusetts and New Hampshire) they write in.

For the Commerce  Insurance discounts available in New Hampshire, please visit here.

Commerce  Insurance Vehicle Discounts

  • Anti-Theft Discount – up to 36% off of the premium for qualifying anti-theft devices.

Commerce  Insurance Drivers Discounts

  • Age 65 or Older Discount – 25% discount for all coverages will be applied if the principle operator is 65 years or older. Talk to your Commerce  Insurance for additional requirements that may need to be met.
  • Drivers Training – 10% discount for specific coverage for operators licensed for less than 3 years once they have competed an approved Driver Training Program.
  • Good Student – 10% discount if the youthful assigned driver meet specific grade qualifications. Contact your Commerce  Insurance agent for more information.
  • Student Away From Home – 10% to 15% off your premium for youthful drivers away from home that meet specific qualifications.

Commerce  Insurance Policy Discounts

  • Account Discount – 15% off your automobile premium when you insure home and auto through Commerce.
  • Loyalty Discount – Up to a 4% discount on your policy.
  • Multi-Car Discount – 8% discount for households that have two or more private passenger vehicles.
  • Paid In Full – 5% discount on specific coverage when annual premium is paid in full.
  • Green Discount – 3% discount on applicable coverage parts for scheduling your bill to be paid electronically.

Commerce  Insurance Lifestyle Discounts

  • MA Educator Insurance Discount – Educators who are members of specific associations or groups qualify for a discount on their Massachusetts private passenger automobile policies. Contact your Commerce  Insurance agent for more details.
  • Annual Mileage – Up to 12% will be taken off your policy for vehicles that are driven 15,000 miles or less annually and have been owned for 6 months or more.  Exclusions do apply for certain vehicles.

Commerce  Insurance Special Discounts

  • Shop Smart MA Insurance Discount – Up to an 8% discount when you purchase a new policy with us at least 7 days prior to the expiration date of your existing policy.
  • Loyalty Plus Special Pricing – “….insurance customers who are AAA members can have their premiums reduced by up to 10% with special pricing based on their AAA membership and good driving record. In addition, non AAA members who have maintained continuous coverage with Commerce, and who would have previously qualified for the Loyalty Discount, will continue to receive reduced premiums, through Loyalty Plus Special Pricing. Eligible AAA members will continue to receive the AAA Package Endorsement at no charge. Please note that policies through MAIP are not eligible to receive the AAA Package Endorsement. Other exceptions may apply.” (http://www.commerceinsurance.com/Other-Auto-Insurance-Discounts-MA/)
  • Group Auto Insurance Discounts – Please visit the Commerce Insurance website for details and a list of the more than 200 groups that qualify for group auto insurnace discounts.

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

21st Century Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/28/2015

Finding ways to save money with 21st Century Insurance Discounts is a basic affair.

The 21st Century car insurance discounts that we were able to find were pretty basic. These are the same discounts that you can find with just about any other car insurance company.  However, the one thing that we did find was that they broke down their discounts by state.

For more information about the specific 21st Century car insurance discounts offered in your state visit their website.

21st Century Vehicle Discounts

  • Anti-Lock Braking System Discount – A discount of 5% is available on Bodily Injury Liability (BI) coverage and Property Damage Liability coverages.
  • Anti-Theft Device Discount – Receive up to 5% off the Comprehensive Coverage premium. See your 21st Century car insurance agent for the details on what anti-theft devices qualify.
  • Air Bags/Automatic Seat Belts Discount – Having air bags and automatic seat belts in yoru car could save you up to 30% on specific coverages. (Automatic seat belts are belts that lock in place without assistance)

21st Century Drivers Discounts

  • Driver Training Discount – Drivers under age 21 who complete a state approved driver training course are automatically entitled to discounts on their policies.
  • Away at School Credit – If a young unmarried female operator or a young unmarried male operator is a student residing at college
  • Good Student Discount – The good student discounts are valid for one year. Contact your 21st Century car insurance agent for the details.

21st Century Policy Discounts

  • Multi-Car Discount – When you put 2 or more vehicles on you 21st Century  car  insurance policy you can receive up to a 30% discount on certain car insurance coverages.

Please note though, that because we are not 21st Century Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current 21st Century car insurance discounts that are offered by the company, contact your 21st Century insurance agent or enter your zip code at the top of the screen for a personalized quote.

 

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.