EA BONIAKOWSKI INSURANCE SERVICES E.A. Boniakowski has been identifying and meeting the insurance needs of home and business owners throughout NJ since 1950. The agency serves a broad client base, ranging from start-up business to large corporations as well as personal home and auto.
929 N. Washington Ave Green Brook, NJ 08812, USA
EAB Phone: (732) 968-0940

Car Insurance Discounts

Shopping for car insurance discounts is a great way to lower your monthly auto insurance rates. There are several companies that offer car insurance discounts to drivers, and they do so according to a variety of factors, all of which fall under one of three umbrella categories: vehicle discounts, policy discounts and driver discounts.

You may be eligible for car insurance discounts if:

  • You have successfully completed defensive driver training
  • You are a good student
  • You are a veteran
  • You are a senior citizen
  • You own a home
  • You have multiple policies with the same company
  • You are a loyal customer and have been insured by the same company for a pre-defined length of time
  • You are a safe driver with an accident-free record
  • You use your car infrequently, or drive a low number of miles
  • Your car has anti-lock brakes and/or an anti-theft system installed

At EAB Insurance, our agents work alongside you and our partner insurance companies to ensure you get the best car insurance discounts and the lowest possible rates. First, we take the time to get to know you and understand your car insurance needs, and then we help you identify each of the car insurance discounts available to you, in order to save you the most money while still providing you with the best coverage for your auto policy.

For the majority of drivers, there are multiple opportunities to receive discounts on car insurance, especially if you bundle your home and auto policies with the same company. Many auto insurance providers also offer discounts and lowered rates to specific groups of people, or particular demographics, based on a set of pre-determined risk factors – or lack thereof. In other words, insurance companies operate under the idea that those who pose a lower risk of filing a claim can be charged less for their insurance coverage, while those who pose a greater risk will get charged more. As a result, car insurance discounts for veterans and car insurance discounts for seniors are some of the more popular discount options available to drivers, although students in good academic standing and homeowners are also often rewarded with lowered rates. Discounts are also offered to individuals whose cars are equipped with anti-lock brakes and/or anti-theft systems.

Although insurance companies reserve the right to cap the number of discounts you can claim – typically, your savings will max out at 25% – it is still well worth it to ask your agent about discounts to see how much money you can start saving today. And even if you have just purchased a brand-new auto insurance policy, there is no need to wait until your policy is up for renewal before speaking to your agent. Discounts on car insurance can be applied to your policy at any time to help you start saving money right away.

Contact EAB today, and we’ll help you identify which car insurance discounts you qualify for so that you may get the most out of your auto insurance dollars.