There are two kinds of auto insurance discounters.
The first variety of auto insurance discounter is a car insurance company that issues policy discounts (reduced monthly premium costs) to incentivize some form of positive client behavior. Most car insurance companies fall in this category, as discounts for various conditions are common. Here is a partial listing of some available car insurance policy discounts available from popular car insurance companies, along with the approximate maximum discount percentage available for each condition. They’re listed in descending order of discount percentage, so the greatest savings are on the top of the auto insurance discount list:
- Bundled plan discount. Save up to 25% when you insure home, car, and life with the same company.
- Multi-car insurance discount. Insure more than one car with the same company and save up to 20%.
- Good student discount. Get good grades in school, and save around 15%.
- Long-term discount. Stay with your car insurance company for over 3-5 years, and save 5-15% or more.
- Accident-free discount. Avoid fender-benders for a few years, and save 10%.
- Affinity group discount. Each insurer has a list of groups (military, civil service, educators, etc) that it supports with a 10% discount. Be sure to peruse the list, as you might belong to an eligible group.
- Variable discounts are available for anti-theft devices, passive occupant restraint devices, anti-theft devices, and defensive driving course completion. The amount of these discounts varies according to your specific vehicle and driving record circumstances.
Auto insurance brokers are sometimes called auto insurance discounters.
This is the second category of auto insurance discounters. These professionals do the car insurance research legwork for you to find the best rates for your geographic region, auto make and model, age, student/affinity group status, driving record, etc. They have detailed access to the policy specifics of dozens (even hundreds) of car insurance policies and companies, and are able to quickly match you to the best rates for your desired coverage options.
If you’re not interested in scouring the internet or spending hours on the phone with car insurance salesmen, an auto insurance discounter might be an effective choice for you. In many cases, their commissions are absorbed by the auto insurance company, so their service is effectively “free” to you. Of course nothing is truly free, so your policy premium amount will pay the auto insurance discounter fee in some capacity, but it might be a worthwhile trade to find the right coverage at the right price, and with minimum hassle.
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