Car Insurance Discounts to Look Out For at QuoteClix: Aside from being rewarded with a rate reduction for being good drivers or students, there are many other available savings offered that consumers should definitely take advantage of. A common area where vehicle insurance discounts are applied is the vehicle to be insured. Each vehicle has specific details regarding safety and anti-theft features that can entitle the owner to a lower premium. Cars have become safer in recent years and as a result rates for certain types of coverage can be reduced. For example, if a vehicle is equipped with airbags then the cost of Personal Injury Protection (PIP) may be lower than an vehicle without this feature. This is because if an accident occurs in such a vehicle, the airbag can reduce the severity of the injuries. Safety rankings, theft rate and accident frequency of vehicles can also have an impact on the price of the type of coverage that can be affected.

Many of the discounts offered are automatically applied by insurers when a motorist purchases a policy, but there are some lesser known ways to reduce rates that may need to be brought to the attention of carriers in order to receive savings. Many companies will offer a reduced rate to policyholders that have completed a driver’s education course; this discount will not be applied unless addressed since the insurer would be unaware that such a class was taken. The same may apply for discounts for certain types of employment, not being a smoker, belonging to an vehicle club among others. Consumers can refer to resource such as the one provided by the Missouri Department of Insurance, Financial Institutions & Professional Registration which details available discounts and a range of percentages that companies may discount off of premiums for each.