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How To Best Maximize Your Auto Insurance Discounts


Drivers seeking out car insurance Richmond have a number of opportunities to cut car insurance costs through common, every day discounts. The insurance companies know they are dealing with a highly competitive marketplace with captive customers who are bound by law to purchase a policy in order to legally operate a motor vehicle on the nation’s roads.

With so many chances to save money, you should be doing everything you can to maximize your ability to take advantage of the discounts that are being offered to consumers. To help you better understand which ones are available, here are the most ways that drivers are maximizing their discounts in order to keep more money in their pockets when the time comes to pay those premiums.


Comparison Shopping

A good way to start saving the most money on your insurance costs is to compare the various discounts that are being offered from one company to the next. While it’s true that most of them have similar discount options for helping their customers save, you may find there are differences between them in terms of how much you can actually save and what the requirements are for eligibility.

Qualifying Status

As you search for the right insurance company, you may need to discuss their discounts with a broker who represents these providers. This way you can find out how to take advantage of these various cost breaks and discounts by inquiring which ones you may qualify for based on certain factors that range from age to driving record to certain vehicle safety features to marital status and more.

Targeting the Most Effective Discounts

Since nearly all of the insurance providers on the market offer their customers many of the same discounts, drivers have a wealth of options from which to choose when identifying ways to save money. These are just some of the most common choices available to car owners across the country:

Safe Driver Discount

It’s simple, drive safely and you can save money. If you don’t have any tickets or accidents on your driving record, you can really clean up with the savings. These tickets and accidents typically apply to whether you are at fault or not. You can still enjoy safe driver savings if someone plows into your car and you had no fault in the collision whatsoever. That way you don’t need to worry about losing out on that discount.

Online Quotes

We do everything online these days and if you get a quote through the company’s website instead of calling a representative, that insurer is more than happy to knock a few bucks off your premiums each year.


Since insurance companies are in the business of offering multiple types of policies, they are eager to get your business for protecting everything you own and hold dear. That includes your car, your home, your belongings, and if you are ready to show your preferred insurer loyalty by purchasing multiple policies with that company, they will let you bundle them all and help you save money in the bargain.

Ivy Skye Marshall: Ivy, a social justice reporter, covers human rights issues, social movements, and stories of community resilience.