Auto insurance can be a significant expense, but did you know that many drivers overpay simply because they’re unaware of the discounts available? Insurance companies offer a variety of savings opportunities, but they don’t always advertise them openly. Here are some auto insurance discounts you might be missing—and how to take advantage of them.
1. Safe Driver Discounts
If you have a clean driving record with no accidents or violations, you could qualify for a safe driver discount. Many insurers reward drivers who remain accident-free for three to five years. Some companies also offer discounts for taking defensive driving courses.
✅ How to Get It: Ask your insurer about their safe driver program and consider enrolling in a defensive driving course for additional savings.
2. Low Mileage Discount
Do you drive fewer miles than the average driver? If you commute less than 7,500–10,000 miles per year, you might qualify for a low mileage discount. Some insurers also offer pay-per-mile insurance, which is ideal for occasional drivers.
✅ How to Get It: Provide your insurer with an updated odometer reading or consider switching to a pay-per-mile policy if you don’t drive often.
3. Bundling Discount (Multi-Policy Discount)
If you have multiple insurance policies—such as home, renters, or life insurance—consider bundling them with the same provider. Many insurers offer a multi-policy discount, which can save you up to 25% on premiums.
✅ How to Get It: Ask your insurance company about bundling options and compare the savings to ensure you’re getting the best deal.
4. Good Student Discount
If you have a student on your policy who maintains a B average or higher, you could qualify for a good student discount. Insurers believe that responsible students are less likely to engage in risky driving behavior.
✅ How to Get It: Submit report cards or transcripts showing the student’s GPA to your insurance provider.
5. Vehicle Safety Features Discount
Modern cars come with advanced safety features that can reduce the risk of accidents. If your vehicle has anti-lock brakes, airbags, automatic emergency braking, lane departure warning, or anti-theft devices, you may qualify for a discount.
✅ How to Get It: Provide your insurer with a list of your car’s safety features or check your vehicle’s manual for eligible equipment.
6. Military or First Responder Discount
Many insurance companies offer exclusive discounts for active military members, veterans, firefighters, police officers, and EMTs. These savings can be as high as 15%.
✅ How to Get It: Provide proof of service or employment to your insurer to claim this discount.
7. Multi-Car Discount
If your household has more than one vehicle insured under the same policy, you could qualify for a multi-car discount. This is often a great way for families to save money.
✅ How to Get It: Make sure all vehicles in your household are covered under the same provider to maximize savings.
8. Paperless & Automatic Payment Discounts
Many insurers reward customers who go green by opting for paperless billing or automatic payments. These discounts might not seem like much, but they can add up over time.
✅ How to Get It: Sign up for paperless billing and set up auto-pay through your insurer’s website or app.
9. Loyalty Discount
Have you been with the same insurance company for several years? Some providers offer loyalty discounts to long-term customers. However, it’s still a good idea to shop around to make sure you’re getting the best rate.
✅ How to Get It: Ask your insurer if they offer loyalty discounts, but also compare quotes from competitors to ensure you’re not overpaying.
10. Telematics (Usage-Based Insurance) Discount
Some insurers offer telematics programs, where they track your driving habits using a mobile app or a device installed in your car. If you demonstrate safe driving behaviors—such as avoiding hard braking and speeding—you can earn significant discounts.
✅ How to Get It: Enroll in your insurer’s telematics program, but make sure you’re comfortable with the tracking aspect before signing up.
Final Thoughts
Auto insurance discounts can save you hundreds of dollars per year, but many drivers don’t take full advantage of them. The key is to ask your insurance provider about available discounts, keep your driving record clean, and regularly review your policy to ensure you’re getting the best deal.
Are you unsure if you’re getting all the discounts you qualify for? Call your insurer today and start saving!
