Arizona auto insurance may be a necessity but that doesn’t make paying the high premiums any easier. The high cost of insurance often forces people to purchase policies that provide them with far less protection than they actually need. However, this really does not need to be the case. There are many insurance discounts that can be offered to policy holders, you only need to know where to look and what to look for.
If you have a teenage driver on your policy or your own driving record isn’t as good as you would like, then you might find yourself paying more for your auto insurance. However, there is a way to get around this. If you enroll your teen or yourself in a defensive driving course that is accredited then you can receive a discount of up to 10% on your premium. Defensive driving courses will equip you with a wealth of information that is considered important to insurers. For example, you will cover topics such as traffic laws, unstable weather driving as well as drug and alcohol impaired driving. On completion of the course you will receive a certificate of completion which you can then present to your insurance company in order to receive the discount.
Good Student Discounts
If you are under the age of 25 and enrolled in full time education, or someone else on your policy is, then they may be entitled to a good student discount as long as the driver maintains at least a 3.0 grade point average. Students will need to present a transcript sighed by the school administrator in order to qualify for this discount. If the student continues to uphold their excellent grades then this discount may even extend post-graduation.
Safe Driving Record Discounts
Drivers that have a clean record are often entitled to some pretty big discounts. The record status will ultimately be determined by each individual insurance provider as there is no universal definition of safe driving. However in general if you have avoided collisions and accidents, kept your car in good working order and have not receive any tickets or violations in the last 5 years then you can be considered a safe driver. If you are considered a safe driver, you will not only save money on your insurance but the whole process will be much smoother and faster.