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A SelectSmart.com Vehicles Selector by Impartial Judge, created October 2010. Auto insurance companies offer different discount programs. Use this tool to find the insurer that has appropriate savings for you. Available coverages and discounts may vary by state. Review their websites. Contact the insurer for coverage and pricing details, deals and eligibility. The information here is based on what auto insurers promote online. Be sure to ask the insurer for every discount that you may be eligible for.
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1. Would you like a discount for having an anti-theft deterrent system, theft prevention devices, basic alarms, ignition or fuel cutoffs, and/or steering wheel locks?
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2. Would you like a discount for your car's anti-lock brakes (ABS brakes)?
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3. Would you like a passive restraint discount, for example, cars that have automatic seat belts and/or driver side and passenger air bags?
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4. What about a good student discount? Usually this means a B average or better.
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5. Are you eligible for a senior citizen discount? Seniors are defined differently, at least one company defines seniors as fifty and over.
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6. Would you like an automobile insurance discount for your hybrid car?
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7. Are you a good and safe driver? Some companies will offer you a discount.
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8. Are you interested in and/or potentially eligible for multiple policy discounts? This would include other insurance products such as home insurance.
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9. Are you a retired professional?
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10. Are you a low mileage driver?
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11. Are you interested in and/or potentially eligible for multiple vehicle discounts?
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12. Have you or will you complete an approved defensive driver course?
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13. Will you be prepaying your full 12 month policy upfront? You may be able to get a pay-in-full discount.
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14. Are all your insured vehicles GM vehicles? One company will give you discount.
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15. Do you have a history of driving violations and/or numerous accidents?
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16. Do you have poor or damaged credit?
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17. Have you failed to keep your automobile insurance in force?
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18. Are you eligible for a new parents discount?
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19. Are you interested in insurers that offer discounts for teenagers and young drivers living their parents?
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20. Would you like an insurance company that received overall satisfaction and pricing satisfaction ratings of at least four out of five stars by J.D. Power & Associates?
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21. Would you like an auto insurer that gives special discounts to military personnel and families?
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22. Would you like an auto insurer that gives special discounts to doctors, nurses, police, firefighters, etc.?
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23. Would you like an auto insurer that gives special discounts to employees of GM companies (both active and retired)?
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