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 You do not want to pay more than you have to pay to while you do not want to skimp on a car insurance. Below you will see a list of common discounts car insurers offer to their clients. You should check with your insurance company to see if any of these discounts apply to your policy or not. For the case that is in that way you should change things or change possibly your insurance company.

1. Pay as much you drive

Insurers are testing rate modifications for cars with on-board systems that record of driving times and the mileage. Progressive's MyRate program is now in eight states and expanding.

2. Safety features

Air bags, anti-theft devices and anti-lock brakes can translate into lower premiums.

3. Group insurance

Check out group or affinity programs from the employer or from your professional and business groups.

4. Low-mileage drivers

Insurers have stepped up the programs in response to the driving cutbacks caused by high gasoline prices and, more recently, a weak economy.

5. Seniors

Some insurers offer discounts to older drivers.

6. Safe drivers

Discounts frequently are offered, usually after three years with no accidents or moving violations. You may also qualify for a small cut if you have taken a defensive driving course.

7. Students

Price breaks are offered for students who have taken driver education or receive good grades. Also, if you're away at school, your rates might decline during the school year.

Other additional tips:

You should buy your car and home or a rental insurance from the same insurer. That lowers the costs.

For many people discounts often are available and many consumers add what's called an umbrella liability policy on top of both their car and home or rental insurance. You should control if each of the mentioned discounts are possible for you.

15.06.2011