One way to get discount car insurance is by getting into a group auto insurance policy. Some insurance providers today sell group discount car insurance through employers, associations and credit unions. These group discount car insurance policies generally offer the same auto insurance coverage as individual car insurance policies; but at a discounted premium.

Insurance providers can discount the premiums on these group policies because of the volume of policies contained within the group policy. Discount car insurance simply means the premiums are discounted – not the coverages or the service provided.

Your claim service should not be any different than if you had an individual auto insurance policy. Some insurance providers may have special body shops they use for group discount car insurance policies. But that is due to the volume. The insurance providers want to make sure that the body shop can handle the large volume of clients that result from these group policies. Your claim service should not suffer because the insurance providers generally use the same claim adjusters on the group policies that they would use on the individual policies.