Agents can do more than give your a car insurance quote or field your questions about your policy. They also know ways you can save on your premium.
Car insurance discounts aren’t always spelled out on a company’s website, but agents know what is offered. Your agent can tell you if your insurer offers a discount for taking a driver improvement course,if your child goes off to college, if you renew early, if you go paperless-just to name a few.
Your agent can also tell you what safety features on a vehicle earn you a discount, if your insurer offers a discount for bundling your insurance plans “such as home and car”, what’s the mileage threshold is to get a low-mileage-discount and if the company offers any type of pay -as-you drive program.
Some car insurance companies also offer discounts foe certain occupations and affiliations, but it’s hard for policy holders to get a complete list. Your agent should have it, and can help you find out if you’re missing out on a discount or can gain one easily by joining a listed organization.
Agents won’t always offer this information unless asked. insure.com’s car insurance discount tool also shows discounts in each state.