Owning and maintaining a car is an expensive endeavor. In addition to maintenance, mileage, and more, maintaining coverage can come with costs that most people can't afford. But this extra effort can ensure long-term safety, especially in an accident.

If you're worried you won't be able to afford it, don't worry because you can apply for plenty of discounts and qualify quickly. You get discounts as a new customer, returning customer, attentive driver, and more. Based on these assumptions, let's discuss some of the best deals you can get.

Best Car Insurance Discounts

When looking for discounts, especially ones you qualify for, you must be aware that each supplier has its own policy guidelines. While some may offer student and responsible driver discounts, others may not.

Nevertheless, you are still entitled to various insurance discounts. So be sure to check out your preferred provider's website.

Here are some categories for most of the discounts on our list.

Driver History Discounts: These discounts are offered to responsible drivers without tickets or drinking alcohol.

· Discounts based on specific affiliations – for example, if you are a member of the military, a veteran, a graduate of particular universities or companies, etc., you will be subject to these discounts.

· Vehicle relationship discounts – if your car is fitted with telemetry or anti-theft devices, you may be eligible for these discounts. Some people give it a new car if you have all the safety features.

Personal Good Behavior: You can earn these for being a good student, out of state, etc.

· Customer Retention or Loyalty – These are offered to attract new customers or keep satisfied, loyal ones.

Policy incentives – paperless transition, a new bird, full payment, etc. are all part of it.

Here are the top 10 auto insurance policies you should easily qualify for.

1. Defensive driver

You can save on these insurance costs by taking defensive driving classes and learning to drive correctly in all traffic and weather conditions. You can obtain these courses at authorized institutions or schools. After taking the course, you will receive discounts on accident or medical insurance for auto accident injuries. It can vary from 10% to 15% of liability coverage. You can enroll in the course for up to $25.

It is provided by companies: American Family, Geico, USAA, etc.

2. Customer loyalty and retention

These insurers either reward customers for the time they spend with them or they want to keep them when they consider switching. This way, you can get discounts of up to 10%, which many major insurance companies offer.

Provided by companies: USAA, American Family, State Farm.

3. Multiple strategies

While this isn't auto insurance per se, consider it if you're considering getting health or home insurance at some point. If you bundle your car insurance with others, you can get bundle discounts of up to 25%, which vary by company.

Supplier companies: State Farm, Geico, Allstate, Farmers, etc.

4. Safety equipment

This type of coverage is probably the easiest, as most new cars have extensive safety equipment pre-installed, such as airbags, anti-theft devices, anti-lock brakes, etc. If you buy one of these, you'll get up to 40% off your medical bills in the event of an accident.

We are offering Companies: Allstate, Geico, Farmers, etc.

5. Best Student

If you're a good student with a B average or higher, you can get an 8-25% discount, depending on the policy terms. In this case, the age limit is 25, which can easily be paired with Away at School for even more discounts. Be sure to check all the conditions you must meet for the most benefit.

Providers: Nationwide, Liberty Mutual, Progressive, etc.

6. Non-drinkers

DUIs are one of the biggest problems in accidents and people not qualifying for insurance. To support the alcohol-free community, many auto insurers and suppliers offer discounts of up to 20 percent if you can ensure you are alcohol-free.

Company offerings: Very few large companies offer this service, but you can look for smaller, lesser-known companies.

7. Full support

Many companies promote this type of discount, which can be added to other offers mentioned in this article. Typically you get a 9% to 14% discount on your premium. This is also an advantage since many companies will charge you for their service if you pay monthly.

Companies Offered: Allstate, Farmers, Progressive, etc.

8. Go paperless

With sustainability at an all-time high, many companies encourage online payments or send you digital reports, contracts, letters, or emails. Most banks also take this approach. This can save you up to 10% on your insurance costs.

Offering companies: Progressive, Travelers, Allstate, etc.

9. Occupation Based

If you're a doctor, educator, military, and more, you can get discounts of up to 15% from various suppliers. So always ask your provider if they can help you.

Companies Offered: Farmers, Travelers, etc.

10. Multi-vehicle-based

If you have multiple cars in your family, get up to 25% off when registering them. Some insurers also call this group coverage, which supports your friends and family.

It is provided by companies: Traveler, State Farm, American Family, etc.

How do you maximize profit?

· Don't be afraid to ask your agent how you can get the best discount or combine it with other coverage such as health or home insurance. You can constantly search the web to learn more before speaking with your agent.

· Sometimes, if you don't take advantage of discounts upfront or on your policy, you may not save more. Sometimes, monthly premiums are much lower for customers without a discount.

· Always search online and discuss as many options as possible before deciding.

(Images from the internet)