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Ask about discounts to reduce your insurance costs
Most insurance companies offer discounts that are automatically applied, but you may have to ask about some of them. Ask which ones you qualify for—and if you can stack them for greater savings on your car insurance rates.
Here are some of the most common car insurance discounts
: Good driver discount: Maintaining a clean driving record with no claims can qualify you for a discounted premium.
Multi-policy discount: Bundle car insurance with other insurance products (like homeowners or renters) to save on each policy.
Good student discount: Young drivers with at least a B average may qualify for a discounted rate.
Military discount: You’ll need to show your active military ID to receive this discount.
Membership discount: Many insurers offer special rates to members of specific employers, organizations, and education institutions.
FAQs
Can you get car insurance without a driver’s license?
Legally speaking, you don’t need a driver’s license to purchase insurance—but almost all reputable insurance companies will require one. If you only have a learner’s permit, you’ll likely need a parent or guardian to add you to their car insurance policy.
What questions do insurance companies ask?
Some of the things insurers will ask you about include your insurance history, past accidents and tickets, your coverage needs, and when you want your coverage to start.
What car insurance do you need?
You’re required to purchase state minimum coverage. This includes liability insurance in almost all states, though some states also require uninsured/underinsured motorist coverage, PIP, and/or MedPay.