If you're seeking great rates on auto insurance coverage, you may be able to find discounts in places that you didn't expect to. Most people are aware that if they keep their driving record clean they will be able to save money on premium rates. But there are also a number of additional ways in which you can save each year on your vehicle's coverage.

One great way to get a lower car insurance premium is by being a member of a particular association or organization. This is often referred to as the affinity car insurance discount program.

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How the Organization Memberships Discount Works

In order to qualify for an organization memberships discount on your auto insurance coverage, you will typically need to verify with your insurer that you are either a member or an employee of a particular entity or organization. A key requirement for such organizations is that they are formed as a group for a purpose other than just obtaining a discount on insurance coverage.

In many instances, family members such as spouses, children, and parents of the group or organization member will also be eligible for the insurance coverage, as well as for the discounted premium rates.

If you are qualified for an organization memberships discount on your auto insurance, you may also want to inquire with your insurance carrier as to any other potential discounts that you may be eligible for as well, such as the defensive driver discount and / or the low mileage discount. This is because having more than one discount can really allow the savings to add up - which can in turn, keep more money in your pocket.

In addition, you may also wish to ask about other coverage through the particular insurer such as homeowners protection. This is because you may be able to obtain a multi-policy discount by purchasing more than one insurance plan through the same carrier.

Photo credits (top image): ThisParticularGreg, Richard Foster