You may be eligible to receive discounts you're not getting.Here's a list of common insurance company discounts, according to the NAIC: Having safety devices in the car, such as anti-theft features Having a good driving record Driving a low number of miles a year Having multiple cars on the same policy Being a student who gets good grades Insuring both your home and car with the same providerWhile you're reviewing discounts, be aware that switching to a new provider could affect discounts you already have with other types of insurance. Even if you're not happy with your existing policy (if you think the premiums are too expensive, for example), ask if there are ways to lower your rate for the same amount of coverage, says Salvatore. A good first call is to your current insurance agent or the insurance company itself (some insurers, such as Geico and Progressive don't work with agents). Shop around.Once you're familiar with your current policy, it's time to look for alternatives. When you're more informed about your current coverage, it can help you become a smarter shopper.2.
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