What discounts does Safe Auto offer?

Safe Auto offers good driver, lump sum, and multi-car discounts, among others. National insurance rates currently average out around $119/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2021

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Things to remember...

  • Safe Auto provides some of the most reliable and affordable auto insurance deals for its customers across the United States
  • However, some people still find the cost of auto insurance steeper than they are comfortable with, which is why the company offers various discounts for eligible customers
  • Some of the available discounts include the good driver discounts, lump sum payment, and multi-car discounts, among others
  • Some of the discounts available may not be listed on your policy; it’s imperative that you check with your agent for what discounts you may be eligible for

Founded in 1993, Safe Auto is one of the most trusted car insurance providers in the United States. The company prides itself on offering some of the most reliable and affordable auto insurance deals across the country. Well, everyone loves a good deal, and if you are looking to purchase a car insurance policy, you might want to check them out.

However, it’s recommended that drivers looking for car insurance should shop around before they make any commitments. Go online and compare quotes from the various providers in your area before settling for one of them. For a shopper, comparison shopping offers an opportunity to obtain the best auto insurance deal.

Auto Insurance Discounts Available At Safe Auto


The cost of insurance has always been a concern for many US residents. Safe Auto is known for having some of the best auto insurance rates in the country. On top of that, the carrier offers a wide range of discounts for their customers thus giving them the chance to lower their auto insurance costs further.

Keep in mind that comparison shopping is the most effective way to reduce your auto insurance costs. How else are you going to know where to find the best discounts if you don’t compare quotes? Speaking of which, here are some of the discounts you’ll find at Safe Auto:

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Safety Features Discount

Safety features reduce the probability of the occurrence of an accident as well as the severity of the injuries if an accident does happen. Some safety features such as anti-theft devices reduce the likelihood of your car getting stolen.

The risk of theft is reduced, and the company is less likely to have to replace your car due to theft.

If you have features such as anti-lock brake system and air bags installed in your vehicle, you qualify for a discount at Safe Auto. Anti-lock brake systems reduce the occurrence of accidents and air bags reduce injuries. Always compare quotes from as many auto insurance providers as you can to obtain the best discounts.

Good Driver Discounts


Insurance is based on risk. If you are deemed as a high-risk driver by an insurance provider, your rates will be higher. If you are a safe driver, the insurance company will reward you with lower rates. On top of that, the carrier will want you to keep up with the habit and avail discounts.

Safe Auto offers good driver discounts to deserving drivers as encouragement to keep driving safely and avoid accidents. To be eligible for Safe Auto’s good driver discount, you have to go without a ticket or an accident on your record for a period of three to five years.

Lump Sum Payment Discount

Making auto insurance premium payments every month can be inconvenient. Many auto insurance providers, including Safe Auto like it when their customers make lump sum payments as opposed to paying in monthly installments.

For instance, instead of paying $144 every month for car insurance, you get to pay $1728 upfront and enjoy a discount ranging from 5-11 percent.

Safe Auto goes as far as offering a discount for customers who pay upfront. On top of that, making lump sum payments can help you avoid lapses in coverage, which we all know can have some pricey repercussions. Check with your provider or agent for information about payment discounts.


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Multi-Car Discounts

You need car insurance to drive legally in most US states. If you have more than one vehicle in your household, they must all be insured if they are to be operated on US roads. Typically, most people will just purchase separate auto insurance policies for the cars.

However, insuring each vehicle individually can be expensive. Safe Auto offers a multi-car discount for customers insuring more than one car with the company. You have an option to combine all your auto policies and get a lower rate.

Good Student Discount


Younger drivers — including teenagers and high school and college students — attract higher auto insurance rates. Young drivers are said to be less careful on the road resulting in a higher likelihood of getting involved in an accident.

The rates can be overwhelming, but if you — or your child — happens to be a student and you’re scoring good grades, you can use them to cut your auto insurance rates.

Safe Auto offer this good student discount to help you lower your auto insurance rates, especially if you have a teenage driver under your wing. Many insurers offer this type of discount, but the specific figures vary. When shopping for auto insurance, make sure that you compare quotes from several carriers to ensure that you are getting the best deal.

Homeowner Discount

Homeowner discounts on auto insurance are confusing to some. Carriers, such as Safe Auto offer the homeowner discount to customers who own a home regardless of whom they have insured the home with. Auto insurers perceive homeowners as individuals with more stability than renters.

Therefore, they reward them with the homeowner discount on their auto insurance. If you own a home and are looking to insure your car with Safe Auto, check with your agent. They will help you know exactly how much can save by taking advantage of the homeowner discount.

Auto insurance can be costly. Always make sure that you are taking advantage of all the available discounts and see a difference in your rates. As a driver, there’s a lot that you can do to increase your discounts. Most importantly, be a good driver. Before you settle for a provider, compare quotes from multiple auto insurance companies to get the right coverage at an affordable price.


  1. https://www.thebalance.com/how-to-get-the-cheapest-car-insurance-527549
  2. https://blog.safeauto.com/car-insurance-discounts/
  3. https://www.iii.org/article/is-it-legal-to-drive-without-insurance
  4. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538
  5. https://www.thebalance.com/car-insurance-discounts-for-students-527530
  6. https://www.thebalance.com/how-to-get-a-home-owner-discount-on-car-insurance-527534
  7. https://blog.safeauto.com/how-to-get-car-insurance-discounts/

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