Access General Car Insurance Discounts

Access General Car Insurance sells insurance through independent agents in several states. The insurance company caters to non-standard insurance customers. These customers might have a hard time finding affordable rates through traditional insurance companies because of problems with their driving records or the types of cars they drive. Purchasing non-standard insurance coverage through a company focused on non-standard policies can be far less expensive than trying to create an individual policy through a company that offers a wider range of services.

You will find many of the same discounts through Access General that you would expect to find through many standard companies. Although most non-standard agencies have extremely limited discount packages, Access General offers discounts for qualified drivers as well as their already low rates on non-standard coverage.

Safety Equipment Discounts

Access General offers up to 15% off the annual premium for customers who equip their vehicles with anti-lock brakes. There are no extra discounts for cars with airbags or passive restraint systems, however. Most drivers who own recent model vehicles should automatically qualify for the anti-lock brake discount since most cars manufactured in the past decade come with anti-lock brakes as standard features. Older vehicles can be equipped with anti-lock brakes for additional safety in order to qualify for this car insurance discount. Anti-lock brakes help a car stop without skidding out of control, which can minimize the damage when someone needs to stop quickly.

Mileage Discounts

Infrequent drivers can earn a 5% discount through a low mileage discount, which is especially convenient for people who only use their cars on weekends, or who live close to their workplaces. Anyone who takes advantage of alternatives to driving, or consolidates their trips so that they drive less, can save money on their insurance premiums through this discount. Be aware that there may be specific mileage requirements for you to qualify for low mileage discounts on your policy.

Discounts for Good Grades

Students who are less than 25 years old and currently attend high school or college may qualify for a special discount because of a good GPA. Students must maintain at least a 3.5 or B average in order to qualify for the good student discount. Access General offers up to 25% off the annual premium for students who earn this discount. The student must be able to provide a grade report at the end of each semester to prove that they are maintaining the appropriate grade point average for the discount. You can apply for the discount more than once.

Good Driver Savings

Access General offers two different tiers of savings for drivers who have excellent driving histories. The first tier offers a 33% discount for those who manage to remain accident and ticket free for three consecutive years. Drivers who continue to have good driving records after the first three years receive another 5% off their annual car insurance premiums. It is not common for non-standard insurance companies to offer special discounts based on driving records, but Access General's discount combines to cover nearly half of the cost of the premium for drivers who are able to qualify.

Non-Smoking Discounts

Many do not realize that their health can directly affect their driving. That's why Access General offers a 5% discount for customers who do not smoke. Smokers also tend to smoke while they drive, adding an unnecessary and dangerous distraction. A non-smoker is a better risk for avoiding accidents because there is no need to find a cigarette, light it, and manage it while driving. These distractions may seem small, but they can divide a driver's focus just enough to increase the risk of being involved in an accident. Access General can offer a discount for non-smokers because they are safer on average.

Discounts for Seniors

Seniors who are age 65 and older could qualify for a special discount through Access General. The experience that a senior brings to the road can help keep them safer while they are driving. Seniors also tend to drive fewer miles once they retire and no longer need to commute. The combination of fewer miles driven and more driving experience can make a senior a better risk for a car insurance company to insure. Seniors who qualify for this discount can enjoy a savings of up to 5% off their annual premiums.