In a world where the “almighty dollar” doesn’t really seem to be that mighty, auto insurance discounters can help make your hard-earned cash stretch as far as possible. Before we talk about the top auto insurance discounters, we would benefit from exploring the different discounts that these companies offer.

Auto Insurance Discounts

• Home/auto discount: You can enjoy a 10 to 15% discount if you choose to insure both your home and your car with the insurance discounters. The extra revenue the insurers earn from you in the form of increased premiums (because they are insuring both your home and your car) easily cover the discounts they give you.

• Multi-car discount: You can also get a 10 to 15% discount if you insure two or more cars with the firm. The same reasoning applies in this situation; the firm is doubling, tripling, or even quadrupling the revenue they are earning from you. Giving you a small discount is not going to hurt them at all.

• Security discount: A really easy way to pay less on your car insurance premiums is to protect your vehicle. Think about it, the amount you pay the insurance companies is based on the amount of risk they have to endure. If you reduce their risk of paying to replace your car, you get to pay less. You will also get a discount if you install air bags or anti-lock brakes since they increase the overall safety of your vehicle. As an added benefit of installing these safety advices, you will save money by not having to buy a burial insurance policy!

• Driver’s education discount: Has it been a while since you have taken any classes on driving? Well, if it would save you some money wouldn’t you be willing to go back to the classroom? Drivers that have had driver’s education or have taken a defensive driving course qualify for a discount on their premiums.

• Low mileage discount: If you drive your car very rarely, you may qualify for a low mileage discount. Drivers that travel less than 5,000 miles a year will pay less for insurance because they have practically no wear and tear on their vehicle (also, you have a business and are looking to get the cheapest commercial insurance, be sure to cite the aforementioned points to get  a better rate).

Discount Auto Insurance Online

The most important principle that auto insurance discounters adhere to is keeping their costs at a bare minimum.

One company that seems to have some of the best discount auto insurance quotes around is Esurance. They are able to keep their costs so low because of the fact that their business operations are all internet based. Since everything is done online, they can greatly reduce the number of human resources that they require.

There are other places to find a good discount auto insurance quote; however, I have not found any of their rates to be as lucrative as the aforementioned site’s.

If you feel like doing your own research (which I highly recommend due to the fact that all areas are different), then a simple Google search of “discount auto insurance rates” should make the job of finding the best company for your needs a little easier.