Ask your insurance broker about car insurance discounts

Most common discounts:

• Multi-Vehicle or Multi-Driver Discount
  It is a very popular discount. If you have cars insured already or you have someone who lives with you a car already insured in this very insurance company, then it’s likely that you can have a discount on insurance. It’s very common practice to have two or more drivers in the household.
• Multi-Line Discount
  This discount is available to you if you have bought several insurance types in one company, for example car and health insurance, or health and property insurance and so on – the rule will more formally sound like that: if you have bought or buying more than one insurance types in the same insurance company.
• Safe Driver
  If you drive safe and didn’t have any accidents, tickets or claims in the last 3 – 5 years then you can ask your company for this discount.
• Safety Features
  If your car has the usual safety features available, then you are eligible for this kind of discount. The safety features include, but are not limited to: anti-locks brakes, automatic seatbelts, and airbags. Again, as I said in my other articles – if you are buying a new car, then keep this list in mind and ask for features listed in it.
• Anti-Theft Devices
  Along with safety features discount there is an anti-theft devices discount. It has the same meaning and reasons that previous discount does. So I will just list the anti-theft devices that are eligible for a discount: car alarms, fuel and ignition cut-off switches, VIN windows and Lojack.

If you have read this and you do not fit in any discount available, don’t worry, I’m pretty sure that you will be able to get one of the limited available discounts.
Limited available discounts:

• Defensive Driver or Safety Course
  In some states there is a course available for drives. It’s called car safety course, or more officially defensive driver course. It’s name explain pretty much what the course is for. And for us it means a way to get a discount on insurance along with new skills of safe driving.
• Good Student
  If you are a B-grade point average student or better, then you will probably be able to get a discount. But be sure to check this with your insurance company or state rule set, as this discount is not available in all states. But it is available in most states though.
• Military discount
  There are states (you will have to check witch, as I simply do not have this information), where active and retired military servants can take the advantage of an insurance discount. They may also get extra price lessening if while being active military members they went abroad.
• AARP
  Some insurance companies in some states now offer AARP discounts of older generation.
• Profession Based
  I know that companies did investigations and risk studies in the area of insurance and found that people with college degrees and people of some professions like educators, engineers and scientists, according to statistics have a lower chance of car collision to happen. This is why this discount is available. There may also be other professions that may fit for this discount, you should check this with your insurance company.