Auto Insurance Discounts Can Add Up to Big Savings

Everyone loves a discount, which is why we’re providing information on all kinds of discounts and bonuses to help save you money on auto insurance. The summary below is a basic rundown of what to look for. Depending on the kind of car you drive, the state you live in, and the kind of policy you carry, you could be eligible for one or more of these benefits.

Discounts For Safe Drivers

If you've been safe on the road and accident-free for the past three years, and you're also clear of any moving violations, you might qualify for an auto insurance Discount.  If you're a new driver and received your license within the past three years, you, too, could be eligible. Just make sure you meet the above qualifications from the date your license was issued.

Defensive Driver Discount
If you're 55 or older, and you're the principal driver of your insured car, you could save on your premiums by taking an approved defensive-driving class. (Not available in every state as age and class requirements can vary from state to state.)

Discounts For Safe Car

Passive Restraint Systems
If your car came equipped with airbags, or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your auto insurance.

Anti-Lock Brakes
Alternately, if your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount can bring your premiums down.

Anti-Theft Devices
This discount applies in certain states, and can save you money if your car came equipped with approved anti-theft devices.

Discounts For Drivers With Multiple Policies

Multiple Policy Discount
If you have additional property insurance with the same insurance company, you may qualify for a  Multiple Policy Discount to lower your auto insurance.

 

Discounts For Students, Seniors, and More

Good Student
If you're 25 or younger, unmarried, and a full-time student who meets certain GPA requirements, you could save on your auto insurance premiums with this valuable discount. (In some states, the qualifying age is 21.)

Senior Adult
If you're 65 or older, and you drive more than a quarter of your car's total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage. (Check with your insurance company, as this discount isn't available in all states.)

55 and Retired
If you're 55 or older, and not employed full-time, this discount can help keep your auto insurance costs down.

New Car
Depending on your state and the model-year of your vehicle, that brand new, never-been-titled car you just bought might save you money.

Economy Car
If you already own an economy car, your savings might just keep coming.

Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.

Resident Student
If you carry coverage for a student who's under 21 and lives at a school that's more than 100 miles away, you could save valuable cash on your premiums.