5 Questions To Ask When Getting a Quote:
save money with hidden discounts – including 1 secret discount.

You can save a bag of cash by getting auto insurance discounts.

Who doesn’t what to save money on their car insurance? I know I do. One of the best ways to save some cash on your auto insurance is through car insurance discounts.

Every company offers car insurance discounts. However, not every company offers the same ones. That’s why it’s important to be prepared when getting a quote. You don’t want to give your auto insurance company any more money than you have to.

I’ve prepared a list of questions to ask each prospective insurer so you get the most discounts possible. Ask each car insurance company the appropriate questions whenever you get a quote from them…

Question 1:
I’m a safe driver. Can I get a discount?

Some companies call this one a ‘Safe Driver Discount.’ It’s big. If you stay clean with no at-fault accidents and no tickets, you will have better rates on your auto insurance. Savings could be 10-50%, depending on how many incidents you have. Stay safe and you’ll enjoy keeping that extra cash. But don’t forget to shop your policy every 18-24 months. You could still be losing a lot of money with an expensive carrier, even if you’re a safe driver.

Question 2:
Do you offer a multiple car (multi-car) discount?

If you only have one car to insure, you can skip this one. But if there are multiple cars in your household, then make sure you mention it. Most agents will automatically add this discount to your policy, but it never hurts to ask. It can be a 10-25% discount. And if they don’t offer it, let me know in the comments – every auto insurance company should.

Question 3:
Do you offer a multiple policy (multi-line) discount?

This is another big one. If you carry more than one policy with your insurer, you can usually get a discount on your car insurance. This is also true for other policies. For instance, if you pick up an auto policy AND a homeowners policy from State Farm, you could get a 10% discount on each policy. Sometimes it pays to keep both car insurance and renters/condo/homeowners policy at the same place.

Question 4:
What about my Defensive Driving or Driver Education?

Most auto insurance companies offer a discount for taking defensive driving. Percentages vary between insurers. Regardless, if you’ve taken a driver safety course recently, then make sure your company gets a copy of the certificate.

Question 5:
Do you have a discount for my job (teacher, engineer, etc.)?

Car insurance is a numbers game. Actuaries sit behind desks with calculators and reams of data to determine which people have lower risk versus other people. Each car insurance company does it differently – but some companies have determined your job can lower your risk for an accident. Ask your potential insurer if your job gives you better rates.

Now – Check online and see if you need to replace your current car insurer.
These 3 minutes can save you few hundred $$ per year.

Most people don’t think about it, but your tax return can improve your insurance premium.

Tax Refund for Your Insurance Premium

Your tax return can do a lot more for you than just being spending money. For those that use it wisely, they can benefit from it for a much longer period of time than the enjoyment of a shopping splurge will last. For example, by using it in the following three ways for your car insurance you can save yourself money for years to come. You may even end up saving more in the long run than the amount your tax refund was.

Switching Insurance Companies or Payment Plans

A lot of drivers don’t bother looking for better insurance rates with other companies because they can’t afford to pay the required two months down that it takes to switch. However, they could if they paid for it with their tax refund. By sacrificing your tax refund to make a down payment on a less expensive car insurance premium, you would find yourself with more money in your pocket each month thanks to a smaller monthly payment.

You can also use your tax refund to switch from a monthly payment plan to paying your insurance in full for the term. Many insurance companies offer a “paid in full” discount and you will also save yourself those monthly payment plan fees or monthly EFT draft fees that get tacked onto your monthly payment every month.

Fix Your Credit Score

Everyone knows by now that your credit score affects your car insurance premium. So one way you can put your tax refund to good use to help your premium, is to use it to pay off outstanding debts or get caught up on you bills that are negatively affecting your credit.

By using your tax refund to help increase your credit score, you could be seeing better insurance rates as soon as your next renewal.

Fix Minor Car Damage

Instead of filing a claim for damages you did to your own car, use your tax refund to pay for them yourself. Yes, you purchase car insurance so that you don’t have to pay for stuff like that, but each claim you file negatively affects your record. By keeping it off of your C.L.U.E. report, insurance companies can’t use it when they determine your car insurance premium, thereby usually securing you a lower premium.

Question:  I have a question about my car insurance company.  They cancelled my insurance because my son’s license was revoked, I asked them to take him of I have been with them for years they told me no what can I do about this why can they not take him off ?

Answer: Honestly, the only thing that I can think of is that your car insurance company considers him a risk and believes that he will increase the chance of a car accident since he is still in your household. It’s not unheard of for those without a license to still drive anyways and if he does get into an accident your insurance company will still have to pay for it, even if he is not on the insurance policy. They could have just as easily had you exclude him from the insurance though, then if he does drive and is in an accident they legally don’t have to pay for it.

Since they have already made their decision and have cancelled your policy, I wouldn’t try to get them to change their mind. Just look for another car insurance company.

Question: I was just in a car accident, but both cars are mine. Do I have to pay my deductible on both cars to get them fixed?

Answer: It all depends on your insurance company. Some insurance companies make you pay both deductibles if you are in a car accident with your own vehicles, others will just have you pay for one deductible and the best ones are the companies that completely waive both deductibles. The only way you will know what your insurance company will do is to ask your agent or insurance company.

Question: How can I reprint my de-insured certificate after months?

Answer: Per the Arizona Department of Transportation website, you can only reprint your certificate up to 14 days after the date of your online vehicle De-Insured transaction.  Beyond the 14 days you will have to contact the Motor Vehicle Division for assistance.