Multi-Vehicle Discount

If you have more than one vehicle with the same company, they will generally give you a discount on the second and subsequent cars. Hence, if Car A costs $100 a month to insure, and Car B is $80 a month to insure, together, under the same policy, they won't be $180 a month to insure, but something more like $165. While it isn't a huge discount, every bit helps cut your car insurance rate!

Multi-Policy Discount

If your insurer offers more than just auto insurance, if you have a different type of policy with them they will often give you a discount on the second policy. Perhaps your insurer also offers home owner's insurance. Rather than paying full-freight on the home owner's insurance when you start the policy, there's a good chance they'll discount it up to 20%.

Some insurance companies call this discount Auto-Home Discount. They often have a similar policy: Auto-Life Discount. In the case of life insurance, generally only one person on the policy having a life insurance policy is enough to grant the discount to the entire policy. 

Good Driver Discount – Claims Free Discount

Are you a good driver, one who hasn't had any incidents in several years? If you haven't had any tickets or accidents (that you are at fault for) in about five years, you are a candidate for a good driver discount. Of course, they will verify your record with the DMV, but if you truly are a good driver, then you will likely be rewarded by a nice discount on your car insurance rate. This can also be called a Claims Free Discount. 

Good Student Discount

If you have a student in the family, encourage them to get good grades. For high school students and often college (or until married) as well, having a GPA of 3.0 or higher (for some, 3.5 or high) is a good enough reason to give that student a better car insurance rate.

Airbag Discount/Anti-Theft Discount

Having airbags installed in your car will often give you a discount. And some car insurance companies give a discount for an alarm system. Beware - some cars have a number etched into the glass of the window, and salespersons at car dealerships will tell you you can get a discount for having a number etched into the glass…This may or may not be true. Check with your car insurance company before paying extra for that “benefit.” Online car auctions

Types Of Commercial Car Insurance Companies

The most well known commercial car insurance companies are the companies with branches throughout the country.There are around ten of these national car insurance companies all struggling to get a bigger piece of the commercial car insurance market.Many individuals choose to go with these companies because of their strong presence in the car insurance market, the great reputations of these companies that allowed them to grow so big in the first place, and the competitiveness of their prices.These commercial car insurance companies have a wide range of car insurance policies to choose from and will always have sales representatives standing by to answer any questions you may have.

Some commercial car insurance companies describe themselves as “discount” car insurance companies.These companies generally provide car insurance policies that meet the state mandated minimum car insurance limits for a fraction of the price of other car insurance policies.Many individuals use this type of commercial car insurance solely to remain legal while driving.The lower monthly insurance premiums helps these individuals keep more of their money in their pocket and provides proof of insurance for the police if the insured party is ever in an accident or is stopped by the officers for some other reason.

Some commercial car insurance companies specialize in handling high risk insurance policies.These insurance policies are typically used when the individual is unable to obtain less expensive car insurance, such as in the event of a driving under the influence conviction by the court system.The premium rates for these policies are high and the individual is usually required by the court to keep this type of insurance for one year or longer, depending on the offense.Most people do not choose to have this type of insurance unless it is mandated by the court.

Each of the different types of commercial car insurance companies has pros and cons to using their services.After choosing which type of insurance company to use, you should contact several companies in your chosen category and request that they send you information about their services so you can make an informed decision about which policy to choose.Although shopping for commercial car insurance can be a long and tedious process, if you find a company you can be happy with, you will not have to go through the process again for a very long time. Online car auction