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Selective Car Insurance Discounts

Selective Car Insurance offers several discounts for qualified drivers. You could earn a special discount by completing an approved driving course, adding safety equipment to your vehicle, or being a good student. Ask your Selective agent about your specific discount options.

Good Driving History

If you have a good driving history with no accidents or traffic violations, you can expect to pay less for your car insurance. Although there is not a special discount offered for good drivers, everyone who maintains a safe record is generally qualified to receive lower insurance rates. Operating safely for up to three consecutive years makes you a lower risk as a driver, which means that you should be able to take advantage of the lowest rates possible for your demographic. Other factors, like your age or credit rating, will still affect how much you pay for your insurance.

Multi-Policy Discounts

Selective offers a special car insurance discount for drivers who also carry another form of insurance with Selective. The company provides homeowner's insurance, apartment and renter's insurance, as well as flood insurance. Signing up for one of these additional insurance policies will qualify you for a savings on your car insurance policy. Using the same company for more than one type of insurance is also a good way to minimize your paperwork and reduce the number of insurance companies that you deal with on a regular basis if you are a renter or a homeowner.

Defensive Driver Savings

Drivers insured through Selective can qualify for an additional discount by successfully completing an approved defensive driving course. Drivers of all ages are eligible to take the courses and receive this discount. Attending a defensive driving course can introduce new driving techniques to help you become a safer driver and avoid potential accidents. Even the most experienced driver can benefit from spending time with an instructor learning how to predict dangerous situations and avoid them before they become a problem. The skills that you learn through a defensive driving course can substantially reduce your risk of filing an insurance claim in the future.

Discounts for Good Grades

Adolescents and young adults pay some of the highest insurance rates because of their lack of experience behind the wheel. You can reduce your insurance costs if you consistently maintain a good grade point average in high school or college. Selective Car Insurance Company offers a good student discount for students between the ages of 16 and 25 who are full time students with a 3.0 or better grade point average each semester. The students will need to provide current grade information at the end of each school term in order to continue receiving the discounts.

Safety Equipment Discounts

You can also earn a discount through Selective by equipping your vehicle with certain types of safety equipment. Modern safety gear can protect you and your passengers from expensive serious injuries. Some safety equipment is designed to help you better avoid accidents because your car remains more stable and can stop more quickly. All of these safety equipment upgrades reduce your risk of being involved in a serious accident. Even if you are in an accident, the damages caused can be reduced by increasing the overall safety of the car you drive.

Anti-Theft Protection Discounts

If you carry a comprehensive car insurance policy that covers auto theft, you can save money on your premiums by purchasing additional anti-theft equipment for your car. The safer your car is from auto thieves, the lower your risk of filing a theft claim through your insurance company. Even a simple steering wheel lock can sometimes deter a thief and keep your car safer. More complicated devices like electronic alarms or vehicle recovery systems make your car a less inviting target. Talk with your insurance agent to find out the most effective anti-theft devices for keeping your car insurance rates lower.

On-Time Payments

Selective offers special discounts to reward customers who make their payments on time. Maintaining an on-time payment history can keep you from inadvertently causing a gap in your car insurance coverage. If a gap occurs, it could increase your rates very quickly. Making your payments on time is the best way to protect yourself from potential problems with your insurance coverage. The discount offered through Selective is just another reason to keep up your payments in a timely manner. You will enjoy the peace of mind knowing that your coverage is always intact, and you will save some money on your premiums.