Auto Insurance Discounts
Maximize your discounts and save.
Auto insurance discounts
Auto insurance can be expensive and eat into your overall vehicle budget. Our comprehensive list of auto insurance discounts contains some that you are probably familiar with such as good student and claims free discounts. However, we've included some you may not be so familiar with like the early bird discount and telematics.
Be sure to ask your agent about all discounts to ensure you're getting the best auto insurance rate.
Accident-Free Discount
Rewards drivers with no accidents over a specified period, typically 3-5 years.
Violation-Free Discount
Earn a discount for being free of violations such as speeding tickets. The typical look back is 3-5 years.
Defensive Driving Course
Offers savings for completing an approved defensive driving course, enhancing driving skills and safety awareness.
Check out the American Safety Council for available courses by state.
Telematics Program
Utilizes a device or app to monitor driving habits, such as speeding and braking, potentially lowering premiums for safe driving behaviors. Big brother? A lot of debate on this one. We'll let you decide what's best for you.
Anti-Theft Devices Discount
Applies to vehicles equipped with devices that deter theft, such as alarms or tracking systems.
Safety Feature Discount
Rewards the inclusion of safety features in a vehicle, such as anti-lock brakes, airbags, and other advanced safety technologies.
Alternative Fuel Vehicle
A discount for environmentally friendly vehicles such as hybrids or electric cars.
New Vehicle Discount
Offers savings for insuring vehicles that are new or only a few years old.
Low Mileage
Driving under a certain number of miles can earn you significant savings. This discount typically applies at 7,500 or less miles per year but will vary from company to company.
Multi-Vehicle
Receive a discount for having more than one vehicle on your policy.
Early Bird
Get your quote 7-10 days before you make your policy active and receive a discount.
Good Student Discount
Full-time students can earn this discount by achieving a 3.0 GPA or higher.
Student Away at School
For students attending college away from home and do not have a vehicle with them. Requirements will vary by insurance company. Many of them will require the school to be 100 miles or more from home.
Alumni and Professional Associations
Qualify for being a part of specific universities, fraternieies, sororities, or professional organizations.
Military Discount
Active and retired military as well as their families may be eligible for a discount.
First Responder
Enjoy a price break if you're a first responder such as a firefighter, law enforcement officer or paramedic.
Homeowners
If you're a homeowner you may qualify. This discount differs from the multi-policy discount in that you don't have to bundle your homeowners insurance. You're simply given a discount for being a homeowner.
Multi-Policy Discount
Stack up discounts by bundling your car with other insurance policies like homeowners, motorcycle, boat, rv, rental home, life insurance and more.
Paid-in-full Discount
Pay-in-full for your 6 or 12 month auto insurance policy for a significant discount.
Paperless Policy
Save by having your policy digital rather than a paper copy being mailed to you.
Paperless Billing Discount
Choose to have your bill received electronically rather than by snail mail.
Automatic Payments
An automatic EFT from your bank account can score you some nice savings. Typically, you can choose this option whether you pay monthly, semi-annually or annually.
Loyalty Discount
Savings applied to your policy for being with the same insurance company for a certain period of time. While this discount is becoming increasingly rare, we'd love to see more insurance companies offer it. Where's the love?
Online Quote Discount
Some companies offer a discount for getting your quote online versus calling in and speaking with an agent.
Other Personal Insurance Policies
We offer all lines of personal insurance such as auto, motorcycle, boat, life, umbrella, rental property and more. Bundling together policies can help you save.
Did you know that bundling your homeowners insurance with your auto insurance saves an average of 18%?
Another great benefit to having all your policies with one agency is only having to call one place with any questions you may have. Whether that be for renewals, claims or billing, our customer service delivers a smooth and connected experience.
What are the biggest auto insurance discounts?
The top three discounts with almost all insurance companies are going to be accident/ticket free, home insurance bundle and multi-vehicle.
For this reason taking your tickets to an attorney is almost always a good idea. The amount of money you pay the attorney will likely be less than the increased auto insurance premium you'll pay for the next 3-5 years.
Still have questions about auto insurance discounts?
We understand there may be some confusion when it comes to auto insurance discounts. Just give us a call.
We take a consultative approach to educate our clients and would love to talk about crafting your perfect home and auto insurance plan. We're real people solving real problems.
Frequently Asked Questions
The top three discounts with almost all insurance companies are going to be accident/ticket free, home insurance bundle and multi-vehicle.
The Accident-Free discount rewards drivers with no accidents over a specified period, typically 3-5 years.
A telematics program utilizes a device or app to monitor driving habits, such as speeding and braking, potentially lowering premiums for safe driving behaviors.
Big brother? A lot of debate on this one. We'll let you decide what's best for you.
Stack up discounts by bundling your car with other insurance policies like homeowners, motorcycle, boat, rv, rental home, life insurance and more.
Driving under a certain number of miles can earn you significant savings. This discount typically applies at 7,500 or less miles per year but will vary from company to company.
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