When youre looking to tighten your budget, there are a few obvious places to start.
Cut down on dining out, cancel a few subscriptions you dont use you know, the nonessentials.
Because theres nothing you’re free to do about the essentials, right?
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There might be car insurance discounts you qualify for and dont even know it.
This may or may not surprise you, but car insurance companies dont always advertise their discounts.
Sometimes you have to ask for them.
But how do you get what you dont know about?
Were going to cover six discounts that you should ask your current or prospective car insurance company about.
Why You Should Ask About Car Insurance Discounts
Do your premiums have you ready to jump ship?
The very first thing you should do is double-check youre actually getting the best deal.
So first and foremost, you should shop around.The Penny Hoarders auto insurance comparison toolcan help with that.
There are a couple reasons why you should ask about these discounts.
For one, theyre not automatically applied in most circumstances.
For example, Allstate offers Milewise, which has you pay per mile.
USAAs UBI program even checks the kinds of roads you choose to take.
Its basically a way to prove you have such good driving habits that you deserve a discount.
That being said, it will also track your bad habits.
Defensive Driving Course Discount
Are you willing to take a safe driving course?
It could get some money back in your pocket.
Youd ask your car insurance provider if theyll reduce your premiums for doing a state-approved course.
Paid-in-Full Discount
This one might be difficult for some people.
Companies do this because they have to process fewer transactions and dont have to worry about missed payments.
If you cant afford the amount up front, ask to pay six months instead of a full year.
Both options are good for any driver to have in place.
If you log into your account it should be fairly straightforward to sign up for either.
Just confirm you link a card that has the proper funds and that you check regularly.
Remember that you dont get all discounts automatically.
You may have to ask.
For example, maybe you signed up for autopay and forgot to ask for the discount.
Even if you dont qualify at the time, it could be something you work toward.
