Insurance Discounts

Discounts are a very important part of getting the best possible price for your coverage.  Different companies offer different types and different amounts of discounts.  Some of the most common discounts are:

• Safe Driver or Clean Driver - 5% to 20%.  The usual requirement is ticket free and licensed for 3 years.  A few companies will overlook 1 minor violation and still give you the discount.

• Multi Vehicle - 10% to 25%.  The only requirement is more than one vehicle on the policy.  Because of the huge discount, sometimes a policy with 2 vehicles actually costs less than a policy with one...

• Transfer Discount - 5% to 18%.  The usual requirement is to show you as a driver on a previous 6 month policy that hasn't lapsed.  Some companies will allow a lapse in coverage up to a week and others will even go up to 30 days.  You may receive more of a discount for a year's worth of previous coverage.

• Paid in Full - 5% to 20%.  Simply pay the policy in full.  In addition to this discount, you will save monthly installment fees.  This can be considerable.  Unfortunately, only a few companies offer this.

• Renewal Discount - 3% to 18%.  The requirement is to renew your policy on time.  Some companies offer the discount every six months up to a maximum amount.  Others offer the discount every year.

• Credit Score - 5% to 50%.  A great credit score will make you eligible for a better rate with many companies.  Credit has been considered on of the most valuable pieces of information to determine the likelihood of a loss.  If your score is good, your rate is good.

• EFT - 2% to 10%.  If you allow the company to automatically sweep your bank account (Electronic Funds Transfer) for the monthly payment, you can sometimes receive a small discount.  Other companies may not offer the discount but will require a smaller down payment or waive the monthly billing fees.

• Homeowners - 5% to 10%.  If you own a home, most companies will offer a discount.  The only requirement is the home must be in your name.  There are additional discounts if you put your home policy together with your auto policy.

• Combined Policy - 5% to 15%.  Some companies will discount your auto if they have the home or vice versa.  It is definitely worth the time to compare rates because you can save on both policies!

• Birthdays - You don't get a discount on your birthday but you may be placed into a cheaper category.  Your rate won't go down every year but it will when you move into a different price bracket.  Most breaking points are at the ages of: 19, 21, 25 & 30.

At AALL Insurance Group, our Agents are trained to be familiar with and apply every discount that is available to our clients policies.  We recognize that cost is a major factor in choosing the right policy and only the right Agent will provide the service you expect.

Instant Auto Rates
 

• Interesting Facts About Auto Insurance

• All About Discounts

• All About SR-22's

Accidental death coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.If a covered individual dies from accident-related injuries, this coverage provides a payment to the insured's designated beneficiary.Actual Cash ValueThe current value of property, which is the cost to replace that property less the amount it would have depreciated since the original purchase date.Adjuster An adjuster is the person who investigates and settles claims on behalf of the insurance company. Agent/Broker Agents and brokers both sell and manage insurance for clients. Agents are the authorized representatives of an insurance company or companies, while brokers are the authorized representatives of parties seeking insurance. Anti-Theft Recovery System This system consists of an electronic device that is installed in a concealed area of your car. If your car is stolen, you can activate the device and it will emit a signal that police cruisers equipped with appropriate sensing equipment can use to locate your vehicle.The system can be effective over a radius of several miles, depending on local geography. Ask your car dealer or nearby police department which brand of recovery systems are supported in your area.A benefit is the amount paid by an insurance company to you or your beneficiary when you file a claim. Bodily Injury Liability Coverage Bodily injury liability coverage protects you if you are held responsible for injuring someone else in an auto accident.This coverage helps pay for the injured party's medical expenses, pain and suffering and lost wages. Bodily injury liability may also help pay your expenses in a related lawsuit.The amount paid by bodily injury liability coverage is capped at the limit you purchase.  Business Use This means that you use your car for business purposes such as sales, service, or delivery calls, work-related errands (such as trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.Claim A claim is a policyholder's request for reimbursement of a loss that is covered by the their insurance. Collision Coverage Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle/an object or if your car rolls over. The maximum amount paid for repair or replacement is the car's actual cash value, less the amount of the deductible you select. Collision Deductible Waiver This coverage pays the deductible for your collision coverage if you are involved in an accident in which an uninsured motorist is held legally responsible for the accident.The collision deductible waiver is not available in all states Where available, this coverage must be purchased in conjunction with collision coverage. Commuting If you primarily use your car for commuting, this means that you are typically driving it to and from work or school on a regular basis Comprehensive Coverage Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, and vandalism. Theft is also covered.The maximum amount paid for repair or replacement is the car's actual cash value, less the amount of a deductible you select. Continuously Insured The length of time you have been continuously insured is the number of years you have been covered by one or more insurance companies without any lapse in coverage. Declarations The declarations page shows the factual information essential to the insurance contract: the policyholder's name and address, a description of the insured property, the premiums to be paid, as well as the limits and deductibles for different coverages. Deductible For some insurance coverages, you are asked to choose a deductible. The deductible is the portion of losses that you agree to pay in the event of an accident.Though choosing a higher deductible can substantially lower your insurance premium, if an accident occurs, you must pay the full, pre-established amount of the deductible in order to receive payment from your insurance provider. Defensive Driver and Driver Improvement Courses These courses consist of defensive driving training for drivers of all ages as well as "mature driver safety courses" intended for drivers age 55 and over. You may qualify for a discount on your insurance premium if you have completed such courses. Depreciation Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence. Effective Date The effective date is the date your insurance coverage begins. You are not covered prior to a policy's effective date. Emergency Road Service This optional coverage pays a fixed amount toward vehicle towing if your car breaks down or if it is disabled in an accident. Endorsements Also known as riders, endorsements are changes to the original insurance contract, such as a different deductible or an additional car or driver. Exclusions Exclusions are situations that are not covered by a given insurance policy. Specific exclusions are listed on your insurance policy. Extraordinary Medical Extraordinary medical coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans. Extraordinary medical coverage protects you in the event you suffer accident-related injuries that require serious and/or long-term medical care. Extraordinary medical coverage begins once you have exhausted the limit on your standard medical benefits coverage. Full CoverageFull coverage denotes an insurance policy containing all coverage legally required in a given state. It does not imply the policyholder will always be fully covered. Garaging Location The garaging location is where an insured vehicle is primarily parked. This location is usually the ZIP code of the policyholder's primary residence.Income Loss Income Loss coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans. Income loss coverage protects you if you are unable to work due to accident-related injuries. It helps you recover portions of your lost salary and other expenses you may incur as you try to return to work.Indemnity An indemnity is a pre-determined sum paid for a covered loss. To indemnify is to make compensation to for damage, loss or injury suffered.Insurance Claim Report Insurance claim reports provide details about claims you or other insured drivers have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.Insurance Score Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.Insured The insured is an individual covered by a given insurance policy. Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's auto.Liability Coverage Liability coverage protects you from having to deplete your assets to pay for damages if you are held responsible for injuries or damages arising from an auto accident.The two main types of liability coverages in an auto insurance policy are bodily injury and property damage.Arizona law currently requires vehicles to carry a liability insurance policy with a minimum of $15,000 for one person and $30,000 total per accident for Bodily Injury coverage. This policy also must carry a minimum of $10,000 for property damage coverage. This is often referred to as "15/30 10". Limits Limits are the maximum amount an insurance company will pay for a covered loss. While you can choose the limits you want to purchase for certain coverages, some states require you to buy limits no lower than a certain amount.Medical Benefits Medical Benefits coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans. Medical expenses that are the direct result of accident-related injuries are covered. Covered medical expenses are limited to the amounts you specify. Medical Payments Coverage This coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car.The amount paid by medical payments coverage is capped at the limit you select.Motor Vehicle Report A Motor Vehicle Report (MVR) provides information on your driving record. This report includes accidents and moving violations. Insurance carriers obtain MVRs from states where you or other insured drivers have been licensed to drive.  National Credit File The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores. Non-Passive Alarm A non-passive alarm must be manually activated every time you leave the car. If someone attempts to open your car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.You may qualify for a discount on your insurance premium if your car is equipped with such an alarm. Occasional Driver An occasional driver is a driver who is not the most frequent driver of the insured vehicle.Passive Alarm Passive alarms are automatically activated and will emit a warning sound when someone attempts to open your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.You may receive a discount on your insurance premium if your car is fitted with such an alarm. Personal Injury Protection Personal Injury Protection, or PIP, is a set of coverages available only in certain states, where it is often mandatory. PIP generally includes expanded coverage of medical costs and, in some states, PIP also pays for lost wages and similar losses. Specific protections afforded by this coverage and limits on PIP payments vary widely from state to state. Pleasure Use If you use your car for pleasure, this means that you are typically driving for fun, with no regular commuting or business use.Policy Expiration Date The policy expiration date is the date coverage under a current insurance policy ends if the policy is not renewed. The expiration date can be found on the declarations page of a policy, on a proof of insurance card, or on a recent renewal notice.Policy Term A policy term is the length of time an insurance policy is valid. Premium Money that is related to payment for insurance coverage. Primary Driver The primary driver is the person who drives the car most frequently. Primary Use A vehicle's primary use is how the vehicle is typically used. This use may be characterized as commuting, business use, or pleasure use. Primary Policyholder The primary policyholder is the person who serves as the main point of contact with your Agent. Typically, the primary policyholder is also the person billed for the policy, though any person listed on the policy can make the premium payment. Liability Coverage Property damage liability coverage protects you if you are held responsible for damaging someone else's property in an auto accident.Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This coverage also helps pay your expenses in a related lawsuit.The amount paid by property damage liability coverage is capped at the limit you select. Rental Car Reimbursement Rental car reimbursement is an optional coverage that helps pay your rental car expenses if an insured vehicle is damaged or stolen and you require a rental car. SR-22 An SR22 is a document that shows proof of financial responsibility. Courts may require an SR-22 for people convicted of certain traffic violations. Secondary Driver A secondary driver is a driver who is insured for driving a covered vehicle, but is not the primary driver. A secondary driver is also sometimes known as an occasional driver. State Liability Limits Arizona law currently requires vehicles to carry a liability insurance policy with a minimum of $15,000 per person and $30,000 per accident for Bodily Injury coverage and a minimum of $10,000 for property damage coverage.Steering Restraint A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it more difficult for potential thieves to access, or "hotwire" your car's ignition system.You may qualify for a discount on your insurance premium if your car is fitted with a steering restraint. Tort Tort is a legal term used to describe instances when someone is deemed legally responsible for injuring another person or damaging his/her property.  Towing Coverage This optional coverage pays a fixed amount toward vehicle towing if your car breaks down or if it is disabled in an accident.Underinsured Motorist Bodily Injury Coverage Underinsured motorist bodily injury coverage is optional in the state of Arizona.This coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient insurance coverage.This coverage typically pays the difference between your coverage and the other driver's bodily injury coverage. The amount paid by underinsured motorist bodily injury coverage is capped at the limit you select.This coverage does not apply to damage to your vehicle.Uninsured Motorist Bodily Injury Coverage Underinsured motorist bodily injury coverage is optional in the state of Arizona.This coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no insurance coverage. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents. The amount paid by uninsured motorist bodily injury coverage is capped at the limit you select.This coverage does not apply to damage to your vehicle.The VIN, short for vehicle identification number, is the unique 17-digit number found on every car. It contains the vehicle's serial number, as well as abbreviations for the make, model, and year. The number appears on your vehicle registration card. It is also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.

Compare Rates Online
or Call our Quote Center
24 Hours a Day!
(602) 233-3333