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6 Ways to Get Discounts on Car Insurance

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Perhaps you’re looking to reduce your expenditures or maybe you’ve realized you pay too much to insure your car after hearing friends mention their discount car insurance. The good news is there are several ways to get discounts on car insurance and often, it’s as easy as simply asking. Wawanesa Insurance offers robust discounts that help drivers significantly lower their insurance premiums. Take a look below at how to get discounts on car insurance.




1. Use Your Sparkling Track Record for the Good Driver Discount

The Wawanesa tagline, “Good drivers deserve great rates” means that one of the easiest ways to get discounts on car insurance is to just keep doing what you're already doing. That is, drive carefully. If you’re the proud owner of a clean driving record, you're eligible for a good driver discount with Wawanesa.

It’s pretty easy to score this one if you can check all three of the following:

  • You've been a licensed driver for at least three years.
  • You haven't earned more than one point on your record in the past three years.
  • You haven't been convicted of a DUI-type offense within the past 10 years.

However, don't despair if you still have a point lingering on your record. You can still be on the road to getting the Wawanesa good driver discount. As long as you haven’t earned any more points in the past three years, you’ll still qualify.


2. Save Smart with Drivers Ed

Confident, informed drivers are typically safe drivers. Wawanesa Insurance wants to help you feel safe and confident on the road. That's why new customers can get discounts on their premiums when they successfully complete driver education and driver training courses. The discount applies to drivers of all ages with any number of years as a licensed driver under their belts.


3. Take Advantage of the Mature Driver Improvement Course Discount

If you’re age 55 or older, you'll save just by completing the Mature Driver Improvement Course. Older drivers can often face increased dangers on the road. According to the CDC, drivers aged 70 and older have higher crash death rates per mile driven than middle-aged drivers (aged 35-54). In addition, it's known that age-related changes in vision, hearing, and cognitive functioning can create specific risks when older drivers get behind the wheel. A refresher course that keeps common road dangers and safety tips at the front of your mind can make you safer.

While paying less for your premiums is reason enough to dive into some driver training, the truth is that updated driver education is truly a great gift to give to yourself or suggest to an older relative. Research shows that driver training programs can actually help mature drivers improve road safety knowledge, self-perceptions of driving ability, and behind-the-wheel performance. Just keep in mind that only courses that are specifically approved by the California Department of Motor Vehicles (DMV) will qualify you for the Wawanesa Mature Driver Improvement Course Discount.


4. Save More With a Multi-Car Discount

Adding another car to your policy is one of the easiest ways to get discounts on car insurance. Do you have a multi-car household? Consider bringing a weekend car, spouse's car, or child's car into the fold to pay less. Wawanesa Insurance offers discounts when you bundle more cars in your household under a single policy.


5. Get Rewarded With a Loyalty Discount

Nobody likes the hassle of switching policies just to save money. One of the easiest ways to get discounts on car insurance is to simply stay put if you use a company that rewards loyalty. Wawanesa starts rewarding you for your loyalty after your first year as a customer and the discount keeps growing the longer you stick around.


6. Increase Your Deductible

This last money-saving strategy is not a discount, per se. However, it can cut your insurance rates significantly. If you’re comfortable with the possibility of paying more out of pocket if you’re involved in an accident, a higher deductible translates to lower rates. And you can always sock away the money you’re saving for the rainy day when you might rear-end the driver in front of you.

Finding out what discounts are available for car insurance is the first step to saving money. Keep in mind that your list of car insurance discounts may vary by state. All the ways to get discounts on car insurance listed above are specific to drivers insured in California. Learn how much you could save by calling Wawanesa for a free quote and speaking with one of our helpful agents.



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The above content is for informational purposes only and is not a direct representation of coverages offered by Wawanesa or its policies. The information does not refer to any specific contract of insurance and does not modify any definitions, provisions, exclusions or limitations expressly stated in any contracts of insurance. All references within the above content are illustrative and may not apply to your situation. The terms and conditions of the actual insurance policy or policies involved in a claim are determinative as to whether an accident or other loss is covered. To understand the coverage under your current policy, please log into the account management platform to review your policy or contact an agent directly.