Do know the factors that effect your auto insurance rates?
Some estimates on the impact of certain variables on your auto insurance
Note that not all of these apply to everyone and ever insurer, but you may be able to take advantage of a few of these options:
- Anti-Theft Devices and Signal-Activated Recovery Systems: up to 35% off comprehensive coverage for autos with anti-theft devices or signal-activated recovery systems; check with agent for list.
- Senior Citizen: 25% off entire premium if principle operator is 65 yrs. or older. No inexperienced drivers on policy; business cars generally ineligible.
- Passive Restraint: 25% off all bodily injury coverages for autos equipped with airbags or automatic seat belts.
- Public Transit: 10% off property damage and collision coverage for those commuting on public transportation; generally must present 11 months of commuter passes; May have maximum discount.
- Driver’s Ed Training: 10% off bodily injury, property, and collision for the first 3 years for inexperienced drivers completing approved training course.
- Low Mileage: 10% off all coverages for mileage less than 5,000/year except comprehensive, substitute transportation, towing and labor; 5% for mileage up to 7,500/year; antique cars are generally ineligible.
- Multi-vehicle: 5% off collision or limited collision for individuals or married couples having more than one car insured with same company; experienced drivers only; business and antique cars are generally ineligible.
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