Insurance Myths

Myth #18: I use my car for my delivery job. I’m not self-employed, so I’m still covered.
If your vehicle is used for anything but personal use, then you probably need to extend your personal auto policy to cover business use of your vehicle. Be sure you understand what is and what isn’t covered by your policy. The best way to find out is to review your policy and call us with questions.

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Auto Discounts & Ways to Save Money

There are a variety of ways that you can save money on your auto insurance. Insurance companies offer specific discounts, provide account credits or consider a variety of preferential rating factors which you may or may not be eligible for that can reduce your auto insurance premium.

When considering discounts, it's important to remember that you need to look at the combined discounts for all your policies.  There are situations when you could realize more substantial savings or have better coverage through a carrier that doesn't provide the same discount structure. Our trusted associates provide you the guidance to evaluate a wide variety of options so that you can make informed decisions.

Some of the discount and rating factors considered by carriers include:

  • Auto and Home Package Discount
    You can often save up to 20% on your auto insurance when your auto and home (home, condo or renters) policies are with the same insurance company.  Most companies provide an additional discount on your home policy, so the savings can be substantial.
  • Multi-Car Discounts
    You can often qualify for a discount if you and/or your spouse insure two or more cars and meet certain requirements.
  • Membership in a Motor Club
    Some insurance companies provide a discount if you are a member of a qualifying motor club such as AAA, Cross-Country, GM Motor Club, Onstar and others. If you are a member of one of these or another be sure to inform us.
  • Anti-theft Device
    Many new vehicles come with factory installed anti-theft devices, and you can install additional devices. You can qualify for a 5%-35% anti-theft device discount on Comprehensive Coverage depending on what you have installed. Review the Anti-Theft Device Discount Verification for details on specific anti-theft devices and applicable discounts and talk to a trusted Morris Insurance associate to make sure we are aware of anti-theft devices on your vehicles.
  • Passive Restraint Discount
    You'll receive a 25% discount on certain Personal Injury, Bodily Injury and Medical protection if your vehicle has air bags or automatic seat belts.
  • Low Mileage DiscountYou can qualify for a low mileage discount if you drive your vehicle less than 5,000 miles per year. Some carriers will provide a low mileage discount if you drive 7,500 or 10,000. To receive this discount you must verify your low mileage count by submitting an Annual Mileage Discount form.
  • Good Student Discount
    Some insurance carriers provide a discount on qualifying policies for a high school or college student, who maintains a grade average of "B" or 3.0 or better.
  • Student Away Discount
    In qualifying situations where there is a student residing in your home that is currently living away at school, some insurance companies may provide a discount because the student is driving a vehicle less.
  • Loyalty Discounts
    Some companies reward customers with reduced rates or discounts depending on how long you have had your insurance with their company.
  • Public Transit Discount
    If you use public transportation to get to work on an ongoing basis, some companies provide you with a 10% discount on certain property damage and collision protections by providing proof of purchase.
  • Age 65 or Older Discount
    After all other discounts and rating factors are applied; you can receive an additional 25% discount on all coverage.
  • Basic and Advanced Driver Training Course
    New drivers may qualify for a discount if they have taken a basic driver training course. Also certain carriers provide a specific discount or consider it a preferential rating factor if you have completed a qualified advanced driver training program.
  • Hybrid Vehicles
    Some companies offer discounts or preferential ratings if you drive a hybrid vehicle.
  • Group Discount
    The Division of Insurance approves members or employees of certain groups, organizations and employers to receive a special group discount on their auto insurance. You may be eligible for such a discount based on where you work or some other affiliation. The best way to find out if you are eligible is to check the Morris Insurance Agency Group Discount Programs listing. While we do our best to alert you to available group discounts, we have to ultimately rely on you to inform us about your belonging to such a group.