Each insurance company attempts to attract clients they feel will have less of a chance of having an accident. Automobile insurance premiums are impacted by a number of factors, the most significant is your past driving history.
Accidents
Insurance companies feel one of the best indicators of your potential to have an accident is your past driving history. We all have driven with and know "good" and "bad" drivers. All drivers are rated for the numbers of years of Clear driving they have had. Insurance companies share a database of all previous clients accidents. Take care while you are driving to maintain your good driving record.
Tickets
Drivers with no tickets or convictions receive the lowest premiums. Drivers are surcharged for the number and type of tickets they have on their abstract. As part of the application process the insurance company will obtain a copy of your Motor Vehicle Abstract. Slow down and obey the rules of the road to maintain a clean abstract.
Discounts
They do this through the use of discounts to their base premiums. The following are a number of discounts you may be eligible for. Not all insurers offer the same discounting process. Please Contact us if you feel you may be eligible for a particular type of discount. In this way, we can be sure we obtain the best terms for you.
- Alarm System Discount - For clients with specific alarms that disable vehicle operation.
- Claims Free Discount - For clients who have not had claims with a particular insurer.
- Dual Policy Discount - For clients who combine their Residential and Auto policies with one insurance company.
- Experience Discount - For drivers with more than 15 years driving experience.
- Group Discount - For clients belonging to a particular employee group or program.
- Loyalty or Renewal Discount - Offered to clients who have been with a particular insurer for more than 5 years.
- Mature Discount - For drivers usually over the age of 50.
- Multi-Vehicle Discounts - For couples insuring more than one vehicle.
- Occupational Discount - For clients with selected occupations.