Washington State Discounts

You can save money on auto, life, homeowners insurance, and more if you know how. Homeowners discounts from Brooks Insurance Group are available for a variety of reasons, ranging from the type of building material used to build your home to how close you live to a fire station. Auto discounts are available as well for a good driving record, multiple vehicles, passive restraints, and more. Special rates may apply for all employees of school districts, colleges, and Universities. Read on to see how you can save money by insuring with Brooks Insurance Group.

Defensive Driving Course Discount

You can receive this discount if the principal operator of the vehicle is at least age 55 and has voluntarily and successfully completed a Motor Vehicle Accident Prevention course approved by the Department of Licensing within the last two years.

Good Driving Discount

You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private passenger vehicle receiving the discount must also be insured with Brooks Insurance Group.

Good Student Discount

All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

• Ranked scholastically in the upper 20% of his or her class
• Had a grade average of B or higher
• Had a grade point average of 3.0 (out of 4.0) or higher
• Was included in the Dean's List or Honor Roll

Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

• PSAT
• PLAN
• SAT-1
• ACT
• TAP
• California Achievement Test

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

• There are two or more private passenger automobiles primarily driven by persons residing at the address.
• The vehicles are insured with Brooks Insurance Group.
• The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you meet at least one of the following criteria:

• You are the named insured on a Brooks Insurance Group homeowner policy (including a manufactured home, condominium, farm/ranch, or renters policy) covering your principal residence.
• You are the named insured or owner of an individual Brooks Insurance Group life insurance product (excluding all annuities, all tax qualified life insurance products, and paid-up life insurance with a face value of less than $1,000).
• You are the named insured or owner of an individual Brooks Insurance Group health insurance policy (excluding Disability Income Payment Protection Plan, Individual Credit Disability Income, and Short Term Hospital Surgical).

Passive Restraint Discount

1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Personal Injury Protection Coverage.

Safe Boaters

By successfully completing an online safe boating course you help make Washington State waterways a safer place to boat and you can also save on your marine insurance! Although there is no requirement for liability insurance on boats in Washington State, most insurance companies will reduce your boat insurance costs by 10-15% annually just for having your Washington State Boater Education Card!

Other Ways to Save on Auto Insurance

Raise Your Deductible
A higher deductible lowers your auto premium; however, you do risk paying more out-of-pocket expenses if you suffer a loss and file a claim. Concerned about paying a higher deductible if you have a claim? Ideally, you'll put away the money you save by raising your deductible and lowering your premium, so you'll have some savings if you need to pay a deductible.

Choose a Safer Car
If you drive a small car or high-performance sports car, you're more likely to be involved in a serious crash, according to statistics compiled by an insurance industry research group, the Highway Loss Data Institute. Other cars are expensive to repair because of their design and construction materials. Find out which cars cost insurance companies more to insure, and therefore cost you more in premiums.

Visit the Insurance Institute for Highway Safety's Web site for information on:

• Shopping for a safer car
• Vehicle ratings for safety, insurability and loss

Remember, driving safely is one of the best things you can do to keep your auto insurance rates down.

Home Protective Device Discount

Receive a discount if your home has smoke detectors, fire alarms, burglary alarms or other qualifying devices.

Home Fire Resistive

Be eligible for a discount if your home is fire resistive or is made of fireproof construction such as brick and masonry.

New, Renovated Home

Receive a discount if your house is less than 10 years old or was completely renovated by a licensed contractor within the last 10 years.

Home Claim Free Discount

You'll receive a discount based on the most recent consecutive number of years you've been claim free with Brooks Insurance Group from 1 to 5 years.