Most carriers offer a long list of discounts, but you will not always be signed up for the ones you qualify for automatically. A quick review of the common categories — and a conversation with your insurer — can uncover savings you are currently leaving on the table. Here are the discounts most worth asking about.
Bundling and multi-policy discounts
Combining your auto policy with home, renters, or other policies from the same carrier is one of the largest discounts available. If you have more than one insurance need, bundling is usually the first place to look for savings.
Multi-car discounts
Insuring more than one vehicle on the same policy typically earns a discount on each car. If your household has multiple drivers and cars on separate policies, consolidating them is often worth exploring.
Safe driver and telematics programs
A clean driving record earns lower rates over time. Many carriers also offer usage-based or telematics programs that track your driving through an app or device and reward safe habits like smooth braking and avoiding late-night driving. Popular examples include programs branded as Snapshot, Drive Safe & Save, SmartRide, and RightTrack.
Vehicle safety and anti-theft features
- Anti-lock brakes, airbags, and other safety equipment
- Anti-theft systems and vehicle recovery devices
- Newer vehicles with advanced driver-assistance features
Discounts for who you are
Several discounts are tied to your status or affiliations rather than your car:
- Good student discounts for younger drivers who maintain strong grades
- Student-away-at-school discounts when a young driver leaves the car at home
- Discounts for members of certain professions, alumni groups, or employers
- Military and veteran discounts offered by many carriers
Payment and paperless discounts
Small but easy wins include paying your premium in full up front, enrolling in automatic payments, and switching to paperless billing. Individually they are modest, but they stack on top of everything else.
How to make sure you are getting them all
Call your insurer and ask them to review every discount you may qualify for — then compare against other carriers, since each one offers a different mix. On EzRatesAuto you can compare illustrative estimates from 20+ carriers to see who rewards your profile best, then confirm the exact discounts with the carrier before you buy.