How To Get Safe Driver Insurance Discounts

If you are a safe driver shouldn't you pay less for your car insurance than someone that has been involved in an accident or got a speeding ticket? Car insurance companies profit from safe drivers who pay their premiums and rarely, if ever, submit for a claim. To attract these top notch customers, many auto insurance companies have rolled out programs to reward safe drivers with discounts.

Monitoring Driver Habits
The latest trend among car insurance companies is to offer discounts to drivers who agree to have their everyday driving habits monitored. State Farm, Allstate and Nationwide all have their own versions of this type of program. But why bother getting quotes from all these companies on your own when you can submit your information one time at FreeRateReport and receive free quotes from top auto insurance providers?

Voluntary Driver Recording Programs

Progressive Insurance
Ask about their Snapshot program which involves drivers installing a small data recorder in their cars. Snapshot tracks how hard you brake, how far you drive and whether you drive at day or night.

Allstate Insurance
Ask about their Drive Wise program which involves installation of a data recorder in your car. Drive Wise monitors time of day, mileage, hard braking and speeds above 80 mph.

GMAC and State Farm Insurance
Through its relationship with the OnStar satellite system the Drive and Save program tracks mileage (big discounts available if your mileage is under 2,500 per year).

Note: Self-Report Option. With this option, you report odometer readings from your vehicle to State Farm prior to each six-month policy renewal. State Farm will send you a reminder notice when it is time for you to report your odometer reading.

Auto Insurance Is Not A Long-Term Contract
Do you know how much you should be paying for car insurance? Find out with FreeRateReport, a website that makes shopping for car insurance easy.
Auto insurance is not a long-term contract. Rates are constantly changing.

FreeRateReport provides:

Personalized rate estimates
Examples of coverage types
Educational resources
Quotes from licensed insurance agents in your area

You do not have to stay locked in to an expensive policy that fails to meet your needs. FreeRateReport could save you 40% on your car insurance!

Mortgages For Credit Scores 580 And Below
Can't find a co-signer for a mortgage? Try an FHA loan. If your credit score is above 580 and you have good income and little other debt, you may qualify for a program with a down payment as low as 3.5%. If your score is below 580 you may still get approved, but the down payment minimum jumps to 10%. Just submit a single loan request and Lending Tree will put you in touch with multiple competing lenders. Even if the Lending Tree system tells you that you may not qualify for a conventional loan, go to the FHA Loan section of their website and try that route.

About the Author:
Nathan Randall, editor of Daily Dollar Newsletter, provides free daily advice on money matters plus coupons and discount codes. FYI...you can now access the Daily Dollar Newsletter via iTunes podcast, YouTube video, and on Facebook and Twitter too.

Article Originally Published On: http://www.articlesnatch.com

Tags: Car Insurance

, DiscoCar insurance

, Discounts

, Insurance

, Safe Driver

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