There are some car insurance discounts that most of us already know about – such as the “Good Driver Discount” and the “Good Student Discount.” Many motorists take advantage of these discounts and earn big savings on their car insurance premiums.

But there are some discounts that you may not have heard of. And if you don’t know that these discounts exist, how can you take advantage of them? Look over the list below, and see if you can save even more on your car insurance.

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New Parent Discount

Auto insurance companies search for ways to reward safe, responsible drivers. These are the type of the drivers they want to insure, as they are less likely to file claims. Some auto insurance companies have come to discover that new parents are very cautious on the road. Thus, the new parent discount was created. The discount is generally available to parents, grandparents, and legal guardians of a child who is under six years old. Depending on the auto insurance company, new parents can save anywhere from 10% - 12%.

Alternative Fuel Vehicles

This applies to hybrids or any type of alternative fuel vehicle including: gas-electric hybrids, electric only, natural gas, ethanol, methanol, and propane. The auto insurance companies who offer this discount seek to attract more environmentally friendly drivers. More eco-friendly are also the type of drivers less likely to engage in risky behavior. The discount offered right now is 10%

Farm Or Ranch Vehicles

A discount is offered for vehicles used for work on farms or ranches. The person who drives the vehicle must be employed full-time on the farm or ranch. Discounts are usually around 10%.

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Affinity Discount

The stipulation here is that you must be a member of a qualifying organization that is affiliated with the auto insurance company. These organizations can be made up of teachers unions, police unions, federal employees and other professional business groups. The discount rate is about 10%.

Military Discounts

There are discounts available to U.S. armed forces members who are currently serving, are reserves, or are retired. The discounts are usually around 10% -15% and can also apply to the service member’s families.

It’s important to note that not every automobile insurance company offers all or some of the discounts above. But do your homework, see what discounts you can earn, and save on your car insurance.

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