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Vehicle-Based Car Insurance Discounts:

Discounts may seem small or even unimportant, but they can make a big difference on your bill. Most insurers offer several discount options, but they often won’t tell you about them upfront, meaning the burden of research is on you. Don’t let this deter you, though -- the savings are worth it.

While many of the usual car insurance discounts are based on the driver themselves, with some being based on demographics that cannot be changed, there are also several discounts revolving around our cars. Depending on the type of car you drive and the shape it’s in, you might be eligible for multiple vehicle discounts that have the potential to lower your insurance bill significantly.

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Vehicle Stats Discounts

The type of car you drive and the age that it is can make a big difference on your insurance bill. An older car is generally more expensive than a newer one, largely due to added safety features and reliability. However, newer isn’t always better -- an expensive sports car is also a pricey option when it comes to insurance. In general, a newer sedan is the way to go. This is how much you can save:

  • Age: Driving a new car can get you up to 10% off.
  • Type: Some types of cars can earn you a discount. Driving a hybrid can save you up to 10%.

Safety Feature Discounts

As mentioned before, newer cars tend to be less expensive to insure, and this extends all the way to discounts. The more safety features your car has, the more discounts you might be eligible for. Some of the most common safety features that earn discounts are:

  • Automatic braking system: Automatic brakes can earn you up to 10% off.
  • Anti-lock brakes: Anti-lock brakes can save you up to 10%.
  • Airbags (passive restraint): Updated airbags can save you 5%.
  • Anti-theft system: An anti-theft system can take up to 20% off.

Multiple Vehicle Discounts

If you own multiple vehicles, as most families do, it’s best to group them all on the same policy rather than purchasing separate policies. Here’s how much you can potentially save:

  • Multi-vehicle discounts: Depending on the carrier and how many cars you add, you can save up to 25%.

The car you drive really matters when it comes to getting car insurance discounts. In general, driving a newer sedan with all the safety features will save you the most. Anyone who owns a car should always take vehicle-based discounts into account before choosing their car insurance, because any savings you manage to find will add up over time.

Your vehicle may be eligible for more discounts than you think. Enter your zip code to get the best quotes and the lowest rates from top companies. Start saving today!

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