Discounts

Anti-Lock Brakes (ABS)

Anti-lock braking systems can often help prevent the loss of control of your auto or truck in sudden braking situations.

Anti-Theft Devices

There are many of devices on the market designed to protect your auto from theft. Many insurance companies will only offer you a discount on your policy if you have an active or passive disabling alarm system or alarm-only system. Check with your insurer for the specific types they will award discounts for. Check out the article, The Car Thief's Nightmare: Auto Alarms and other Anti-Theft Devices.

Restraint Systems

These are air bags, dual air bags, and seat belts. All of these are now common in most late-model vehicles. Having all three may qualify you for the highest level of discount, depending on your insurer.

Good Driver

As a general rule, a good driver has: a license for more than 3 years in the U.S., and not more than 2 violation points on your driving record for either an accident and/or chargeable accident, or moving violation. Also no DWI, DUI, manslaughter, or gross negligence in an accident with the past 7 years.

Driver Training

Ordinarily for teenage drivers who have successfully completed a training course from a certified school or instructor.

Good Student Discount

Ordinarily awarded to teenagers with a "B" average or better.

Accident Prevention Course

If you have a certificate of completion, many insurance companies will offer discounts for approved accident prevention courses.

Multi-Policy Discount

Having your auto and homeowners insurance with the same company frequently entitles you to a discount.