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Are you scratching your head about now, wondering how your crazy friend Joe pays 50% less than you do on car insurance premiums? It isn’t just dumb luck. There’s a good reason Crazy Joe gets all those great discounts…and here they are.

1. Joe gets the cheapest vehicle insurance because he’s married.

Did you know that married people automatically get a discount on car insurance? You might be surprised to learn that auto insurance companies spend a lot of money on researching drivers. The data they uncover is revealing…and they use it. The verdict is: be married, be older and be a woman. (Sorry guys, some things you can’t change!)

2. Joe gets the cheapest vehicle insurance because he hardly ever drives.

Sure Joe tailgates and speeds when there aren’t any cops around. That’s not important—what’s important is how often he drives. You may not ever think about this fact, but Joe is a call center employee that works at home. That means he hardly ever drives his car. That means his mileage at the end of the year is very low. That means he does not risk his life or his car nearly as often as does the average driver.

3. Joe gets the cheapest vehicle insurance because he takes responsibility for his own driving.

As crazy as Joe is, the fact of the matter is that he only pays for liability coverage. By dropping collision insurance, he saves lots of money on full coverage premiums. Since his car is an old 1991 Chrysler, he knows that (A) no one’s going to steal it, (B) the market value is less than the price of annual premiums and (C) he can just as easily cover minor repairs out of his own pocket.

4. Joke gets the cheapest vehicle insurance because he has good credit.

Say what you will about Joe’s crazy social life, he always manages to pay off his bills. Because he is so obsessively protective about his credit, he gets huge discounts on car insurance, on mortgage loans, and car loans, and just about every other finance deal you can think of. Credit matters. Statistically speaking, people who are careful about spending money are also safer drivers.

5. Joe gets the cheapest vehicle insurance because he knows he deserves a discount.

Here’s your biggest problem: you stay with the same insurance company year after year, figuring if they could give you a discount, they would. Not Joe…Joe calls insurance company providers year after year and asks what better deal they can offer him. Sometimes he switches insurance companies, and sometimes his insurance provider keeps his business after offering him a loyalty discount. The point is, Joe looks for a better deal whenever he can. If you are a good driver with a clean record, it’s about time you do the same.

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