The question of the car is an important one for too many people these days. Trying to settle the budget in the conditions of slow economy can be a challenge, since some don’t tend to decrease on their own. In case of car insurance there’s an opposite tendency for the costs to increase regardless of the recession. So for many people lowering their insurance premiums has become a matter of keeping their budget within reasonable limits. In this article we’ll tell you about discounts that can help you to obtain the cheapest car insurance policies without dropping any .

The majority of insurance offer discounts as a part of their policy for keeping certain groups of customers loyal. These are usually long-time clients or low-risk driver that don’t too many losses and have very good rating. And even if you don’t see any ads telling you about discounts that your current provider offers, this doesn’t necessarily mean that there aren’t any. You just have to ask around and see what’s on the menu. The actual set, extent and requirements for discounts usually differ from company to company. However, there are also certain discounts that tend to be available with most companies. Here are just some of them for you to consider and try to opt for:

Multiple car

If there are two or more in your household it would be best for you to insure them the same policy, since most insurers offer special discounts when you include more vehicles to the policy. This saves them a lot of paperwork and is generally less costly than insuring each car separately. That’s why you should always inquire about the benefits of insuring all your cars with the same provider.

No-claims

Having no claims on your insurance record for a lengthy period of time means that you are a good driver, and insurers like like that. You will usually have to have at least 3 years without filing any claims to opt for the discount, and it will be terminated once you the provider. But it’s sure worth getting because it can deliver the cheapest car insurance for you.

Loyal customer

Similar to the no-claims discount, the loyal customer discount is less strict concerning claims and usually requires a longer period for you to be able to apply. But it is certainly worth keeping the policy with the same provider, especially if the deal is good. And it will certainly make it harder to switch providers since you will lose the discount once you terminate the current policy.

Low mileage

Drivers with a low yearly mileage tend to get the cheapest car insurance through the respective discount. There’s a direct link between the distances driven on a regular basis and the risk of accident. So if you aren’t using your car too often and don’t exceed the 10, miles per year requirement, you can get a very good cut off your rates.

Senior driver

Car owners who are over 65 of age tend to pay a lot for car insurance because they are considered as high risk. Due to many age-related conditions older drivers really get into more and this doesn’t do them any favor in terms of costs. However, many insurance companies realize that it may be hard for senior citizens to cope with such costs, so they offer special discounts for this group of people.

Good student

Having good grades at high school and college has many benefits, including some you probably didn’t know about. Many insurance providers offer car insurance discounts to students whose average is B or better. So besides having good results at studying you also get the chance to obtain the cheapest car insurance a student can get.