When purchasing auto insurance one of the least common ways that consumers save money is by asking the insurance companies about special discount programs. These discount programs usually are not brought to the attention of the consumer by the insurance company unless the consumer ask about any special discount programs that they offer. Not all insurance companies offer the same discount programs and the discounts that a company offers will vary but you will not know what they can offer you until you ask your insurance agent or company. Below is a list of special discount programs you will want to ask about.

Combination Discounts

If you insure more than one vehicle it would make lots of sense to take advantage of the multi-vehicle discount. You’ll be able to save anywhere from 10% to 20% on your premium. You can also use the combination discount if you use the same insurance company to insure your home and your vehicle.

Good Student Discounts

Most students are usually young people who always have the highest premiums. These young people will want to take advantage of the good student discount which can save them up to 25% off of their premiums. Though younger students will usually benefit more from this discount, the good student discount is for students of all ages. The requirement for this discount is that the student hold a GPA of 3.0 or higher.

Defensive-Driving Classes

If someone has taken a defensive driving class many auto insurance companies will take up to 10% off of the insured premiums.

Retirement Discounts

No matter what age you are, let your auto insurance company know about it so you can get a break with your premiums. Retirees will drive less often which means that they are at a lower risk of getting in an accident.

Safety Discounts

In some states having safety features on your vehicle such as airbags, automatic seat belts, anti-lock breaks, and other safety features will give you a discounts.

Loyalty Discounts

Some auto insurance companies will lower your premiums after sticking with them as your auto insurance company for a certain number of years.

These examples are just some of the special discount programs that some auto insurance companies offer, ask about other special discount program that they have and your insurance agent should be happy to explain them to you.