The Hanover Car Insurance Discounts

The Hanover Insurance Group offers car insurance discounts as well as discounts on other types of insurance. The Hanover was established in 1852 to provide businesses with fire insurance.They have expanded over the years to include a variety of insurance options for clients but specialize in providing top-notch car insurance to individuals.To compare online car insurance rates, just enter your ZIP code in the FREE box now!

More on The Hanover Insurance

The Hanover car insurance options include:

• personal injury
• liability
• comprehensive
• collision
• medical payment
• roadside assistance
• transportation expense

Agents look over each individual case before assigning coverage amounts, giving special consideration to the discounts available.

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Discounts Available from The Hanover Insurance

The Hanover Insurance offers many discounts that can reduce monthly premium amounts.

• Multi-policy discount – This applies to any individual that purchases more than one type of insurance from The Hanover. This means that individuals can purchase home insurance, valuable insurance, umbrella insurance, or a toy insurance policy along with an auto policy and receive a discount.
• Safe driver discount –  Car insurance premiums are based on many things but one of the most important factors is a person’s driving history. If you are a safe driver, The Hanover will give you a safe driver discount. To maintain this discount, you have to maintain good driving habits throughout the life of the policy.
• Good student discount – Teen drivers who maintain at least a “B” average on quarterly report cards can receive a discount from The Hanover.
• Anti-theft device discount – If anti-theft features are installed on your vehicle, you can earn a discount.
• Multi-vehicle discount – If you have more than one vehicle insured with The Hanover you may be able to reduce your monthly premium.

How Car Insurance Premium Amounts Are Determined

The purpose of discounts on car insurance is to lower the monthly premium amount paid, but the question of how premium amounts are determined needs to be understood.Premium amounts are based on several factors. This is why both online and in-person applications ask you important questions. An insurance company uses the information to help set your premium amount.

As stated previously, the biggest factor in determining premium amounts is driving history.

Those with moving violations and especially DUIs are given premium amounts that are much higher than those with clean driving records. This is something that the driver can control by being conscientious and obeying the rules of the road.Premium amounts are also determined by the type of car you drive. Sports utility vehicles have higher premium amounts automatically because statistics show that these types of vehicles are involved in more accidents.Newer cars and more expensive cars also come with higher premiums because the replacement cost, if the car is totaled, is higher.Where you live is also a factor in determining premium amounts. Insurance companies will run your address through a system and receive crime reports regarding vehicle theft and vandalism in your area. The higher the crime rate, the higher the premium cost will be.Insurance companies know that replacement cost is a big factor when it comes to their bottom line.

What You Can Do to Lower Your Premium Amount

 There are other things that you can do besides finding discounts and controlling premium-raising activities to keep your car insurance premiums low.

One of the best things to do is to enroll in a defensive driving course.

These courses are often offered on a community-wide basis, such as through the local sheriff’s department or through a community college. They are usually free, but even paying can be worth the change in premium amounts.You can also shop around. Comparing car insurance rates and quotes from several top companies is still the best way to save money on monthly premium amounts.Comparing quotes on a regular basis helps you to see if you are still getting your best deal on car insurance. If you are not, it is simple to change carriers or switch policies.Comparing rates and quotes online is so popular because it saves both time and money and it’s easy to compare several companies side by side without going to many different websites or making several different phone calls. Online quotes are easy and fast.To compare online car insurance rates now, just enter your ZIP code in the FREE box!

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