Glossary of Terms

Low Mileage Discounts
A 10% discount applied to the premium paid is available if your estimated annual mileage falls between 0-5000 miles. A 5% discount off of the premium paid is available if your estimated annual mileage falls between 5001 - 7500 miles. Antiques are not eligible for this discount.

Senior Citizen Discounts
A 25% premium discount for all coverages will be applied after all other discounts and rating factors but prior to the application of the Safe Driver Insurance Plan rating step if:

1. the principal operator is 65 years or older
2. there are no inexperienced drivers (0 -6 years of driving experience) and
3. the automobile is not customarily used in business.

Multi-Car Discounts
A 5% discount applied to the premium paid is available if:

1. an individual or married couple own two or more automobiles insured by the same company; and
2. there are no inexperienced operators.

1. have no listed inexperienced operators; and
2. are not customarily used in business.

Anti-Theft Discounts
Anti-theft discounts of up to 35% of the premium paid are available for automobiles with various types of qualifying anti-theft devices. Your insurance company or agent can provide you with a list of the qualifying anti-theft devices and the corresponding discounts available.

Passive Restraint Discounts
A 25% discount applied to the premium paid is available if your automobile is equipped with an air bag or automatic seat belts.

Safe Driver Discounts
Under the SDIP, you incur surcharge points for traffic violations and at-fault accidents. You earn a credit point for each incident-free year (any of the one-year periods immediately preceding the policy effective date for which you have had no violations or at-fault accidents). You do not incur surcharge points for your first minor traffic violation during the policy Experience Period (which is the six year period immediately preceding the policy effective date), but you do not earn a credit point for that year.

Group Discounts
In recent years many insurers have been offering discounts to numerous groups to attract new customers. These discounts will decrease your entire insurance premium. In addition, many group plans do not charge interest or require an initial deposit.

Groups can be sponsored by an employer, civic organization, motor club, association, trade union, credit union, etc. You may want to check with agents of several different insurers to learn which groups the insurer has been approved to offer discounts to and the size of the discounts. Any member of an approved group is eligible for the discount.

Group plans are not guaranteed to be renewed or to be renewed at the current discount level. By law, groups may be continued if after two years of operation the group has 35% of it's eligible members participating. If, however, after three years a group's loss and expense ratio makes the group unprofitable it cannot renew policies.