Discounts are mandatory for having two or more qualifying cars on the same policy completing a defensive driving, driver education, or drug and alcohol driving awareness course having an automobile with airbags, automatic seatbelts, or certain anti-theft devices. The amount of the discount is set by the Commissioner of Insurance for rate-regulated companies. County mutual companies are not required to offer these discounts. If they do offer discounts, they set the amount of the discount themselves. You may receive optional discounts based on your age, annual mileage driven, or policy renewal having an automobile with anti-lock brakes or daytime running lights good grades in school, membership in certain youth groups, or if a student covered by your policy is away at school.
Companies have different standards for accepting new customers.
Before You Buy a Policy, Remember. . . Never cancel your old policy until your new policy is effective. A policy becomes effective when the insurer or its local recording agent accepts it. A company can cancel your policy within 60 days from the issue date for any reason, except illegal discrimination. Make certain you answer all questions on the application truthfully.