What kind of insurance discounts can I get from insurance providers in Kentucky if I am turning 50 next month. In addition to that I also have a good driving record for several years.

Martina

Lexington-Fayette, KY

Congratulations on having a clean driving record for many years.If you are lucky enough to be retired, some insurance companies will provide a discount to retirees receiving a certain type of pension. There are also some discounts provided to the mature driver however many insurance providers start this discount at age 55.

There are also other discounts that you may want to ask for when renewing your car insurance or starting a new one. Some insurers will give you a discounted rate for low-mileage vehicle use, two or more cars on one policy or having loss prevention devices installed in the car (car alarm, etc). Many insurance providers in Kentucky will give long-time policyholders with no claims and a good driving record or safe driver discount.

What discounts will be available that I can take advantage of to get a cheaper auto insurance rate?

Dan

Newark, NJ

There are many types of discounts available to the average motorist.

Make sure to ask if you qualify for any discounts for a cheaper insurance when getting your car insurance policy set up.

Some of the common discounts you might be eligible for are:

1. Multi-Vehicle- if you insure more than one car with the same insurer, you can get discounts.
2. Defensive Driver Courses- if you have just taken a defensive driver course (this is only available in some states).
3. Safety features- if you have a airbags, car alarm, anti-lock brakes, or automatic seat belts in your vehicle.
4. Multi-line- if you have car insurance and homeowners through the same carrier
5. Pay in full or through EFT (electronic fund transfer)- you can save on finance charges if nothing else.
6. A full time student with a grade average “B” or higher (only available with some insurance providers).

I’m in college away from home and it’s not exactly a normal college town that I live in. There’s hardly any public transportation, and that’s what I’ve used all of my life, so once I got here I had to buy a car. I’m trying to figure out ways to save on car insurance, and I’ve come to getting an alarm system. What kind do they give you discounts for?

Benjamin

There are three kinds of alarms.

Some people, when thinking about alarm system discounts for auto insurance, think that they apply to just any type of alarm system, and they don’t. Insurance companies are smarter than you think. They know that an alarm system on a car that just involves the headlights blinking and a whirring noise isn’t going to make anybody feel alarmed. I know that when I’m at home at night and hear a car alarm go off outside, it never occurs to me that somebody might actually be trying to steal a car. Most people ignore such alarms in the same way.

That’s why, if you want a car insurance company to think you’re serious about getting an alarm equipped on your student car and cheap driver insurance, then you need to follow their rules when it comes to installing an alarm system on your car. Like I said above, there are three separate types of alarms.

• Noisy ones. These are the ones that go off like an ambulance. They can also be pretty hard to activate. My friend’s alarm on her car can be activated by opening a door from the inside after the car has been off for a couple of minutes. The only time I’ve heard my alarm go off on my car is when I accidentally push the big red button instead of the unlock button. Don’t push big red buttons.
• Mechanical. These are the kind that you will find on most cars. They lock the steering wheel.
• Electronic Immobilizer. These are the best kinds, although a little rarer. They immobilize the car making it to where it cannot be started, even by hot wiring.

The kind that the insurance companies like best is the last one, but that isn’t the only requirement for your alarm system. You have to have an active one. That means that it is always ready to detect theft. If you get a passive one, then you have to activate it every time you leave the car, which leaves a lot of room for the fickleness of human memory.

Cheers,

Fashun Guadarrama.