It is always against the law to drive without auto insurance, but that doesn’t mean you have to cancel your cable TV or your subscription to Better Homes & Gardens. There are better ways to save money and keep your finances in line, including these unique auto insurance discounts.
1. Safe Drivers
Being a safe driver has its advantages: You don’t have to pay for costly repairs to a damaged vehicle, no one ever gets hurt on your contemplate and you might qualify for unique auto insurance discounts. Specifically, some states require that insurers provide premium discounts to consumers who complete driver safety courses, according to the AARP.
Thirty-six states require the discount if you occupy the Driver Safety Program in a classroom with an approved instructor, and 10 states even require it if you take the course online. This can mean a serious auto insurance reduction even if you’ve had tickets or accidents in the past.
2. Retirees
Did you know that there are unique auto insurance discounts for retirees? Some car insurance companies give reduced rates to seniors who are at least 55-years-old and are no longer employed full-time.
This is not a requirement, of course, and all insurance providers are different. However, if you can glean a provider in your area who offers this discount, you’ll achieve a bundle on car insurance.
3. Students
Younger drivers aren’t left in the dust. Other unique auto insurance discounts include reduced rates for full-time students. If you’re getting your education, you probably don’t have extra money to throw around, and with the discount you might be able to afford a few non-Ramen meals outside the dorm.
In most cases, unique auto insurance discounts for students require that the consumer be under 24 or 25 years of age and maintain a determined grade point average. You might not qualify if you are married or included on your parents’ insurance coverage.
4. Students’ Parents
One of the most unique auto insurance discounts available is the reduced rate for students’ parents. If you assist a child (he or she lives with you, in other words) you might qualify for a discount. However, there are always lots of stipulations, so you’ll want to check with your insurance agent for details.
5. Farmers & Ranchers
Many farmers and ranchers own dedicated vehicles that never leave their property. In this case, you might qualify for a unique auto insurance discount that insures your truck for less.
Remember that in order to qualify for this discount, you will need to own an applicable vehicle that follows the rules on the policy. Otherwise, you might wind up paying much more.
There are plenty of other unique auto insurance discounts that you might not have heard about. If you want to take advantage of them, you’ll need to sit down with your insurance agent and discuss the options available to you.
It is also a first-rate idea to research other insurance providers from time to time. You never know when a unique auto insurance discount is going to crop up that would keep you money on car insurance.
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Filed under Progressive Insurance by on Feb 22nd, 2011. Comment. 
A couple months, Allstate had been mailing a lot of offers to my mom for her to switch her car insurance. Considering my mom is on the list with the credit bureaus not to receive offers of service, credit, etc, we thought after a while that the junk mail from Allstate would stop. When it didn’t, I decided to call in to the Allstate customer service line listed in the letter.
The representative told me that she could not handle a removal request and she transferred me to another department. He removed my mom without any problems and then I told him to remove me as well. In a rather unprofessional matter, he flipped out wanting to know who he was talking to. I tried to elaborate that I handle everything for my mom, but he was not listening at all. He refused to remove me from the list and started lecturing me about how I could not remove her.
He actually added her aid to the mailing list.
I hung up and then called straight relieve in. I had to be transferred yet again to another department. I asked for a manager. When the manager came on, I briefly explained the situation to him, but apparently, he was already aware of the representative’s version of what had happen. Then, he started trying to get me to switch to Allstate.
I told him that I didn’t enjoy the hard sale pitch and had no interest in changing companies. He said my mom’s name and that he “was removing her, whoever she was.” He then asked wouldn’t it be easier to trash the letters than to call in to be removed from the mailing list.
I explained to him that I care about the environment and I often lift the time to call in to companies who send the most junk mail to be removed from their mailing lists.
He echoed the word environment as if I had just said something completely ludicrous and foreign. I asked, doesn’t Allstate care about the environment?
He did not reply and hung up on me. He never removed me from the mailing list either. But at least my mom was removed since she was getting the most junk mail from Allstate.
I had my mom call a local Allstate office to make determined I was removed. The person told her to be removed to make positive that we are on the list with the credit bureaus to avoid offers of service, credit, etc.
My mom assured her that we both are on that list, but were still getting these marketing offers. The lady at the Allstate office said she would do her best to find a way to purchase me.
We haven’t gotten any more junk mail from Allstate since this happened. If their customer service is this dreadful when trying to be removed from a mailing list, what would they be like when filing a claim?
Filed under Progressive Insurance by on Dec 18th, 2010. Comment.
It is recommended that families should consider
children’s health insurance programs as a way to cover the expenses should any of the children gain ill or require any form of surgery or other medical expenditure.
Most children’s health insurance programs are relatively affordable and they can save the family from a lot of stress and anxiety caused by the financial burden of medical expenditure should it ever be required.
There are a wide range of children’s health insurance programs to choose from with most insurance companies and you really need to determine what level of cover best suits your needs and then carefully read all the terms of the children’s health insurance program to determine whether a particular program sufficient for you.
With increasing medical expenditure occurring all the time it is well worth considering investing some money in a children’s health insurance program as it is generally not until something happens that you realize how considerable such an investment is.
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Filed under Progressive Insurance by on Dec 15th, 2010. Comment.
