Reader’s Question:

I heard from a friend that there are different car insurance discounts that I could take advantage of to lower my car insurance rates. What insurance discounts are those? I am from Illinois by the way.

Lily

Springfield, IL

Your friend’s right Lily. There are certainly a lot of car insurence discounts that are offered by insurance companies that can significantly lower your insurance rates. So what car insurance discounts are those? They are the following:

• Car pool – discount available for drivers who are in a shared- vehicle car pool
• Discount for college students – for college students who attend school that is located over 100 miles away from his or her home with no car taken along
• Good student – for students who have an average of B or higher
• Good driver – policyholders who have maintained good driving records
• Low annual mileage – for drivers with low driving miles, usually about 7,500 annual miles
• Multiple-vehicle – for insuring multiple vehicles
• Anti- theft devices – for vehicles with anti-theft devices installed like car alarm etc.
• Safety devices – for vehicles with safety devices like automatic seatbelts, airbags etc.
• Mature driver – for drivers who are 50 years of age or older
• Defensive driver – for drivers aged 55 years or older that have completed the state-approved driving course.

The availability of these car insurence discounts still depends with your insurance company. So to know if you can get them, you better contact your insurer ASAP.