If you’re like most drivers in Illinois, chances are you want to save money on your auto insurance. Thankfully, there are many available discounts that can lower your insurance costs as long as you meet the qualification criteria. Several factors can determine your eligibility for these discounts, such as your age, driving record, type of vehicle, marriage status, and occupation. In this article, we provide a list of deals that may be available for car insurance policyholders and discuss how to get them if you drive in Illinois.
Types of Discounts Available for Car Insurance Buyers
If you’re an auto insurance holder in Illinois, here are some discounts you can take advantage of to reduce your premium payments:
Good Student Discount
Many insurance companies provide a discount for students who have strong academic records. However, the specific requirements for these deductions vary, so it’s best to confirm with your insurance company beforehand. In most cases, your insurer will require you to be a high school or college student and have a GPA of at least 3.0.
If you’re an armed forces member, you’ll likely qualify for discounts on your car insurance. Some insurance companies restrict the price decrease to active-duty military personnel, while others might extend the privilege to families of serving military insurance policyholders and even retirees.
Multi-Car Auto Insurance Discount
You may qualify for a discount if you insure multiple vehicles with the same insurance company. The deal varies based on the number of vehicles insured and other factors. Still, it can be as high as 14%, making it an ideal way to reduce your payments. You may even get more discounts if you bundle your auto and home insurance policies. Before committing all your insurance to one insurer, do some comparison shopping with several providers so that you know you’re getting the best value for your money.
Safe Driver Discount
You may qualify for significant savings on your insurance policies if you have a history of safe driving. Many insurance companies offer discounts to customers who have driven without an accident or haven’t gotten a ticket for three consecutive years because they’re considered low-risk drivers. You can also lower your insurance bill by using your vehicle for a specific function, such as pleasure driving or farm use. We’re pleased to provide good driver discounts to our customers who consistently maintain safe driving records.
Anti-Theft and Safety Device Discount
By fitting your vehicle with anti-theft devices, such as alarms, GPS trackers, and immobilizers, you may qualify for an insurance discount. Additionally, if your car has advanced safety systems such as anti-lock brakes, air bags, and other driver-assist technologies, you may also be eligible for auto insurance discounts. The savings you receive will depend on the amount, type, and level of sophistication of the anti-theft or safety devices on your vehicle, as well as your insurance provider.
Prior Proof of Insurance Discount
If you’ve had continuous insurance for a specific period, you may qualify for a prior proof of insurance discount. The time required varies from six months to one year, depending on the insurance company. By providing evidence of your previous insurance coverage, you could receive up to a 10% discount on your auto insurance premium.
We offer prior proof of insurance discounts to new insurance policyholders at American Auto Insurance. To qualify, we may need to see your insurance ID card or a document from your previous insurer showing that you maintained your insurance policy without any lapses during the required period.
Driving for less than a specific number of miles per year may also qualify you for a discount on your car insurance. Different insurance companies have particular mileage requirements for these deals, so be sure to ask about this when you renew your policy.
Pay in Full Discount
Some insurance companies may offer discounts on your auto insurance policy if you pay your premium in full each year. So, if you’ve been consistent with your payments, ask your insurance provider if this qualifies you for a policy discount.
Defensive Driving Course Discount
Drivers that complete a defensive driving course may qualify for a discount on their auto insurance policy. A defensive driving course teaches you how to drive safely in a variety of conditions to avoid accidents and other risks while on the road, which makes you a low-risk customer for insurance companies.
It’s important to note that not all insurance companies offer discounts for completing a defensive driving course, so it’s wise to confirm with your insurer beforehand. Additionally, some insurers provide discounts for taking other driver education courses that they approve of. For instance, if you finish an accident prevention course, you may be eligible for a reduced car insurance rate. Some insurance companies have their own driving programs that may qualify customers for discounts.
Student Away at School Discount
Some insurers offer discounts if the assigned driver of a car is a student attending a non-local school and only drives the vehicle when they’re at home during vacation or holiday periods. The discount depends on the insurance company and other factors. The factors may include being under 25 years old, not having a car in school, being enrolled in a full-time program in a high school or college over 100 miles from home.
Many insurance providers offer a loyalty discount to long-term customers who have used their services continuously for a specific period. The value may increase over the years if the policyholders remain consistent in their patronage of the insurance company.
Marriage Insurance Discount
Some car insurance companies offer discounted auto insurance to married couples. This is due to the fact that these insurers consider them to be more financially stable and less likely to file claims than single drivers. The amount of discount depends on the specific insurance company.
Get Discounts for Your Car Insurance at American Auto Insurance
Are you looking for ways to reduce your auto insurance expenses? Our team at American Auto Insurance offers good driver discounts and prior proof of insurance discounts for qualified Illinois drivers. Feel free to reach out to us at 773-286-3500 to learn more about our deals and other ways to save on your next vehicle insurance policy.
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