Know The Auto Insurance Discounts You Can Ask For

Car insurance companies offer a range of discounts, but they do not always apply them automatically. Knowing which ones exist gives you something specific to ask about when you compare quotes and may help lower your premium.

Which discounts are available, and how much they are worth, differs from one insurer to another and from state to state. The best approach is to ask each company what you may be eligible for.

Why Discounts Matter

Two quotes with the same coverage can end up with different prices simply because of the discounts included. Comparing several offers and asking about discounts helps you see the real cost of each policy.

Keep in mind that the cheapest policy is not always the best one. Check the coverage limits, deductible and company reputation along with the price.

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Common Discounts To Ask About

Safe driver
Drivers with a clean record and no recent accidents or tickets may qualify.
Multi-car or bundle
Insuring more than one vehicle, or combining auto with home or renters insurance, may reduce the price.
Good student
Students who maintain good grades are often eligible with some insurers.
Low mileage
If you drive fewer miles than most people, some insurers will price your policy accordingly.

More Discounts Worth Checking

Defensive driving course: Completing an approved course may make you eligible for a discount with certain insurers.
Vehicle safety and anti-theft features: Airbags, anti-lock brakes and alarm or tracking systems can lower the risk of injury or theft.
Pay in full or automatic payments: Paying the whole premium upfront or setting up automatic payments is rewarded by some companies.
Paperless billing: Some insurers offer a small reduction if you receive documents by email.
Military, group or membership: Members of certain organizations, employers or the military may have access to special rates.
Usage based programs: Some insurers track driving habits through an app or device and may adjust your price based on how you drive.

How To Make The Most Of Discounts

Ask every insurer for a full list of discounts and the conditions for each one.
Provide accurate information. A discount can be removed if the details turn out to be wrong.
Review your policy each year, because your eligibility can change as your life does.
Do not choose coverage you do not need just to chase a discount.

Compare Quotes Before You Decide

Fill in our quick online form to compare offers from different providers. Look at the total price, the coverage and the discounts included, then choose the option that suits your budget and driving needs.