What discounts are offered for auto insurance?

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Things to Remember...

  • Do your research before talking with an agent to know what discounts you qualify for
  • You can continue to save money even after purchasing your policy
  • Many factors such as credit score, address, and driving record can influence the way auto insurance providers calculate premiums

There are many auto insurance discounts out there – you just need to know what to look for. Often, when you call an auto insurance company for a quote, an agent will tell you what discounts you qualify for.

But knowing what types of discounts are available ahead of time will give you an upper hand in negotiating the best deal for your policy.

Most insurance companies will offer discounts for:

  • Multiple vehicles on the same policy
  • Multiple policies (life, home, car) from the same provider
  • Good driving or accident-free driving records
  • Anti-theft devices such as car alarm systems
  • Good student discounts (for students on the policy who maintain a certain grade and/or class ranking)
  • Defensive driving discount for drivers who have successfully completed a defensive driving course in the last three years

Start comparison shopping now! Just enter your zip code to get started. 

What other discounts for auto insurance should I ask about?


You may be able to get even more discounts for:

  • Drivers aged 55 and older
  • Anti-lock brake systems
  • Airbags and automatic seat belts (often referred to as Passive Restraint)
  • Switching from one insurer to another before your policy is done
  • Payment of the entire premium up front, instead of spreading payments over the life of the policy
  • Set-up of automatic payments from your bank account
  • Membership discounts through a union or employer (check to see if your union or employer already has an existing relationship with an insurance company)
  • Other membership discounts through organizations such as college alumni groups, professional organization, or even a credit union.
  • Veteran or military family discount

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Are there any other ways I can reduce my auto insurance payments?

Absolutely! Most drivers don’t realize you can continue to save money even after you’ve purchased a policy.

In general, the best way to keep your auto insurance costs low is to practice safe driving on the roads and avoid collisions.

Most insurance providers will reward discounts for customer loyalty based on the number of years you’ve been a member. These loyalty rewards include a discount off premiums, as well as a discount on deductibles.

Some insurance companies even offer “accident forgiveness” protection for loyal customers – they won’t raise your premium just because you’ve been involved in one accident.

Does the type of car I drive affect my auto insurance premium?


Insurance companies tend to charge more for cars that are more expensive to repair or replace. Therefore more pricey vehicles such as sports cars, luxury cars, and customized cars may increase your insurance premium.

Auto insurance companies also charge more for cars with known defects and a history of bad ratings.

Besides the price of your car, other factors insurance providers use to calculate insurance premiums include:

  • Your credit score
  • Your place of residence
  • Job location
  • Where your car is parked at night
  • Length of your commute
  • Occupation

Finding a job closer to home or joining a carpool will result in less wear and tear on your car and may even decrease in your premium cost.

One of the best ways to find the best type of auto insurance for you is to compare rates of different providers. Use our FREE comparison tool now to get started!

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Compare quotes from the top auto insurance companies and save!

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