Discounts and Bundles to Reduce Auto Insurance Premiums

Additional Auto Insurance Discounts

The auto insurance discounts below (and possibly more) may be available to you. Speak with your auto insurance agent to see what discounts your insurance company offers.

Occupational Discounts:

Some career choices could get you a lower rate. Some could include teachers, accountants, firefighters, police, judges, veterinarians, military, doctors/nurses, engineers and scientists, architects, etc. These groups of drivers tend to have lower risks than other groups.

Mature Driver Discount:

If you are over a certain age, and have taken a state approved safe driver program, you may be eligible for a discount.

EFT (Electronic Funds Transfer):

If you pay your insurance through EFT, you may be eligible for a discount.

Paid in Full:

Means you paid the entire policy all at once, you may be eligible for a discount.

Safety Features Discount:

Items like airbags, automatic seat belts, antilock braking or electronic stability control (which helps reduce skidding).

Safe Driver Discount:

If you have no tickets or accidents, you may be eligible for this discount. But, unless you have accident forgiveness, one mess up and you will probably lose that discount.

Shared Family Car:

If you have more drivers than insured cars and are sharing a family car, you may be eligible for this discount.

Good Student or Distant Student:

A good student that gets good grades may be eligible for a discount. College students that are away from home certain distances, for example over 100 miles from home and without access to their cars left at home, may be eligible for discounts.

Good Payer / On-Time Payer:

If you pay your insurance on time you may qualify for a discount. Obviously, it’s important to keep the payments on time to keep this discount.

E-Policy:

If you agree to electronically sign your documents, you may qualify for this discount.

Clean Your Driving Record to Save on Auto Insurance:

If you have a less-than-stellar driving history, then you can expect to pay more, sometimes significantly more, on monthly auto insurance premiums than a driver who has a clean record. This is because auto insurance companies use past driving behavior to predict future behavior and determine how much of a risk you are to insure. While in many cases you simply have to let some time pass for infractions to fall off your record, there may be a few things you can do now to lower your rate.

Address Issues Quickly:

If you’ve gotten pulled over for a broken tail light or because you forgot to renew your vehicle registration, then you may have received a traffic violation called a “fix-it ticket.” In most cases, these violations have a deadline attached. If you pay the fee or fine and show the court that you corrected the problem, then your case will be dismissed. As long as you take care of these “fix-it tickets” quickly, then they won’t go on your driving record. However, if you don’t take care of them in a timely manner, then they will likely end up on your record and drive up your monthly premium.

Take a Driver’s Safety Course:

Many auto insurance companies provide an incentive for taking a defensive driving course in the form of a discount on your monthly premium. In some cases, attending traffic school may allow you to keep infractions that are moving violations off your record. However, it’s important to ensure that the safety course you take is approved by local motor vehicles department.

Contest Tickets:

If you received a ticket when you were speeding due to extenuating circumstances, then you may consider contesting the ticket. Explaining to a judge the reasonable context behind your ticket, such as a medical emergency, may be enough for your ticket fine to be reduced or for the infraction to be removed altogether. This can prevent the ticket from going on your record and may end up being the difference between an affordable auto insurance rate and a high one.

Build Good Driving Habits:

While your driving record may not be perfect, if it’s been a long time since your last infraction, then you may be able to have driving point violations removed from your record. Your local DMV can help you determine whether this may be an option for you.

Work On Getting a Higher Credit Score:

Drivers with higher credit scores generally get lower insurance premiums.

Run Auto Insurance Quotes Under Both Spouses Names:

Believe it or not, running quotes under both spouses names may net a lower rate under one of the spouses.

Don’t Always Go With State Minimum Coverage:

If you always insure your vehicles for State Minimum (Currently 25/50/20), that is considered a higher risk to insurance companies. If you carry higher limits (ex: 250/500/100), you are considered a lower risk. Lower risks get better rates.

Nevada Insurance Enrollment Will Guide You

Your home and car are two of the most valuable assets, so getting the best insurance for both is such a convenience. Just because your insurance provider offers cheap homeowners’ insurance doesn’t mean they will offer affordable auto insurance and vice versa. Talk to one of our knowledgeable auto insurance agents to have all your bundling insurance questions answered. We’re here to help find the best insurance policy for you.

Wondering how you can trim down your insurance costs? Nevada Insurance Enrollment will help you review your coverage needs and find a plan that is right for you. Our agents specialize in helping drivers find the best coverage at the best price available to them. We can help you find the right auto insurance provider and determine which discounts you qualify for to get an affordable rate without sacrificing quality coverage.