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Unusual Car Insurance Discounts

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Here's what you need to know...
  • There are many discounts available to almost anyone
  • Teachers unions have discounts available
  • College alumni may qualify for discounts
  • Parking your car in a garage could earn you a discount
If you watch an hour of television or two per day, you are undoubtedly aware of all of the car insurance commercials that seem to dominate the airwaves. Each of the companies represented promises savings greater than anyone else’s, as well as discounts for various things.

Sure, we’ve all heard of discounts for safe driving and for getting older, but there are some other more unusual discounts of which you might never have heard. If you qualify for some of these discounts, you could save significant amounts of money.

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According to a 2010 report by CBS Money Watch, unique car insurance discounts are not all that unique. A better word to describe them would be obscure since not many people know of them.

These unusual car insurance discounts apply to certain types of occupations, memberships in organizations, and how we actually buy our insurance.

Some of them you may already qualify for, while others, you might not.

What if I belong to a teachers organization?

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Teachers unions and like-minded organizations are a large and powerful group of individuals, that’s for sure.

And because there are, literally, millions of teachers all across the country, this is a group that car insurance companies don’t mind soliciting for special discount promotions.

The National Education Association (NEA) is just one example of a teacher organization that receives special discounts for all its members from a fairly large U.S. auto insurance company.

What if I graduated from college?

Another great source of unusual car insurance discounts is your college or university alumni association. These alumni associations exist to help promote their respective schools by engaging in fundraisers, publishing literature, and being active in marketing.

One of the ways alumni associations encourage membership is to offer a select list of benefits including:

  • insurance policies
  • banking
  • travel and leisure discounts

Where car insurance is concerned, it’s not at all unusual for an alumni association to work out a discounted car insurance deal with a well-known carrier.

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I have children who are good students–will that get me an insurance discount?

Although this discount is not available in every state, most car insurance providers do allow a discount for young drivers between the ages of 16 and 25 if they are currently in school and are meeting certain academic requirements.

The idea here is to promote good academics because statistics show that good students are less likely to have accidents than poor ones. Your student can get a significant discount as long as he keeps his grades up.

What if I park my car in a garage?

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You may already be aware of this discount if you remember your insurance agent asking where you park your car at night.

Not that it makes much difference to those who purchase only basic liability coverage, but for those who have comprehensive insurance and/or full collision, where you park your car at night is an important factor.

Garaged cars are obviously less vulnerable to overnight damage than those parked on the street.

By parking in a garage, you can get a fairly decent discount on your car insurance.

What are unusual discounts of which I might not be aware?

One of the unique car insurance discounts is also one of the newest on the market. It is a discount given if you allow your car insurance company to monitor your driving with an electronic black box installed in your vehicle.

This electronic monitoring allows the insurance company to get real-time data on your driving habits, though they claim they can’t track speed or location.

The monitoring is designed to simply record the number of miles you drive, and whether or not you drive defensively. Often, these devices and discounts are part of a very new and popular kind of insurance known as “pay as you go.”

In today’s tight economy, every little bit of money we can save is money that can be used elsewhere. And while some car insurance discounts don’t seem to be worth much, they can add up to be pretty significant on an annual basis.

Furthermore, if you combine all of the discounts you receive every year into a 40- to 50-year driving career, it ends up being a pretty large sum of money.

The lesson here is not to discount car insurance discounts. Look for all of the discounts for which you are eligible and take advantage of them for as long as you can.

Whether you’re eligible for discounts or not, you are always eligible to search for car insurance quotes online by entering your ZIP code below.

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