What Are The Most Popular Auto Insurance Discounts

Reader Question

Hey there, I just got my second DUI conviction and wanted to know if there are any auto insurance discounts I can apply or ask for? I don’t have the money to pay the $3500 a year premium my current carrier is asking of me.

James
Houston, TX

James, your second DUI, come on man! No, I really don’t think you are going to find any discounts what so ever, and you might be very lucky to be able to get coverage at all. $3500 does not sound to terribly bad to me for the amount of risk your carrier is taking letting you continue to drive on the roads with the rest of us.

There are many popular auto insurance discounts but I really don’t think they apply to your case.

1. Good students with good grades
2. Good credit history and credit score, will be used to determine your ability to pay on time
3. Credit union members, and sometimes some fraternal organizations like Rotary have a group association discount
4. Raise your deductible amount to the highest you feel comfortable with, you only pay this amount when you have a claim paid by your carrier
5. Combine other lines of coverage together, home, life and auto
6. Buy online, some carriers will discount if you use their online forms instead of an actual real agent