Best Car Insurance Discounts to Ask for in 2024 (Save 30% With These Deals!)
The best car insurance discounts to ask for can help you save up to 30% on your premiums; discounts like the safe driver discount, multi-vehicle discount, and multi-policy Discount provide substantial savings for policyholders. Knowing which discounts to pursue ensures you get the most value from your insurance.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best car insurance discounts to ask for can significantly reduce your premiums by up to 30%, discounts such as the safe driver discount, multi-vehicle discount, and multi-policy discount offer valuable opportunities for savings.
Understanding these options allows you to optimize your policy and keep your coverage affordable. By leveraging multiple factors, you can ensure you get the best rates available.
Our Top 10 Picks: Best Car Insurance Discounts to Ask for
| Discounts | Rank | Savings Potential | Description |
|---|---|---|---|
| Safe Driver Discount | #1 | 30% | For maintaining a clean driving record over a set period |
| Multi-Vehicle Discount | #2 | 25% | Applies when multiple vehicles are covered under one policy |
| Multi-Policy Discount | #3 | 20% | Bundle auto with home, renters, or other insurance to save |
| Safe Driver Discount | #4 | 20% | Track your driving with a telematics app for discounts |
| Good Student Discount | #5 | 15% | For full-time students maintaining a B average or higher |
| Anti-Theft Device Discount | #6 | 15% | Available to drivers who complete a defensive driving course |
| Defensive Driver Discount | #7 | 15% | For drivers who complete a defensive driving course |
| Military Discount | #8 | 12% | Savings for active-duty military members and veterans |
| New Car Discount | #9 | 12% | Discount for insuring a vehicle typically under 3 years old |
| Paperless Discount | #10 | 10% | For opting to receive and pay your bills electronically |
Each company combines affordability with valuable discount programs to help drivers reduce premiums. For more insights, check out our detailed guide titled “How much is car insurance?”
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool above.
- The best car insurance discounts to ask for can save you up to 30% on premiums
- Key discounts are the safe driver, multi-vehicle, and multi-policy discounts
- Stacking multiple discounts ensures maximum savings on your car insurance
Ways to Optimize Your Car Insurance Discounts
Saving on car insurance is easier when you know how to maximize the discounts available. By understanding the types of discounts and how to qualify, you can significantly lower your premiums. For a comprehensive analysis, refer to our detailed guide titled “How does the insurance company determine my premium?”
Understand Available Discounts
Car insurance companies offer a broad range of discounts, many of which can lead to significant savings. Below is a more detailed breakdown of the most common types of discounts available and how you can qualify for them.
- Safe Driver Discount: The Safe Driver Discount rewards drivers with a clean record, free from accidents or violations, with potential savings of up to 20%. To qualify, maintain a good driving history for 3-5 years or participate in telematics programs that track safe driving behaviors.
- Multi-Policy Discount: The multi-policy discount, or bundling, allows customers to save by purchasing multiple types of insurance (e.g., auto, home, or renters) from the same company, with potential savings of up to 20% on each policy. Simply combine policies with the same insurer to qualify.
- Good Student Discount: The Good Student Discount offers 10% to 15% savings for high school or college students who maintain a GPA of 3.0 or higher, with proof of academic performance required at renewal. Insurers view good students as responsible drivers, leading to lower accident rates.
- Usage-Based Insurance: Usage-based insurance discounts reward drivers for safe habits by monitoring driving behavior through telematics devices or mobile apps, offering savings of up to 30% based on factors like speed, braking, and time of driving. To qualify, enroll in programs like Progressive’s Snapshot or Geico’s DriveEasy.
- Loyalty or Renewal Discount: Insurance companies offer loyalty discounts, typically ranging from 5% to 10%, to long-term customers or those who consistently renew their policies without interruption. To qualify, maintain coverage with the same insurer over time.
By taking the time to understand the various discounts available, you can take steps to ensure you’re getting the best rate possible on your car insurance.
Make sure to ask your insurer about all applicable discounts, as some may not be automatically applied to your policy.
Stack Discounts Where Possible
Many insurance companies allow you to stack multiple discounts, such as combining a multi-car discount, good student driver discount, and low-mileage discount to maximize savings. While not all discounts can be combined, stacking eligible discounts can significantly reduce your premiums. Be sure to check with your insurer to confirm which discounts are stackable.
Take a Defensive Driving Course
Completing a defensive driving course can save you 5% to 15% on car insurance while improving your driving skills. Available online or in-person, these courses teach safe driving techniques and may reduce points on your license.
The cost is often offset by insurance savings, and in some states, insurers are required to offer this discount. After completing the course, submit your certificate to your insurer to apply the discount, which typically lasts for up to three years.
Maintain a Good Credit Score
Many insurers consider credit scores when determining premium rates because they view a higher credit score as an indicator of financial responsibility and, by extension, lower risk. Insurers often use what’s known as a credit-based insurance score to assess the likelihood of a policyholder filing a claim. For detailed information, refer to our comprehensive report titled “How to File a Car Insurance Claim.”
A higher credit score suggests that the policyholder is less likely to file claims, leading to lower perceived risk for the insurer. A strong credit score can lead to lower car insurance premiums by signaling to insurers that you are a lower risk, making you eligible for better rates and additional discounts based on financial responsibility and reduced likelihood of filing claims.
- Lower Risk Assessment: Insurers may offer lower premiums to individuals with higher credit scores because they believe these drivers are less likely to be involved in accidents or file claims.
- Discount Qualification: A strong credit score may qualify you for better rates and certain discounts, such as loyalty or safe driver discounts, that are sometimes tied to your overall risk profile.
Maintaining a healthy credit score not only benefits your overall financial well-being but can also make a significant difference in the cost of your car insurance premiums over time.
Review Discounts Annually
Regularly reviewing your car insurance policy helps you maximize savings by identifying new or expiring discounts. Life changes, such as buying a safer vehicle, reducing your commute, or purchasing a home, can make you eligible for additional discounts like low-mileage or bundling offers. To learn more, check out our comprehensive guide on insurance titled “Can I bundle my car insurance with other policies?”
Be aware of discounts that may expire, like good student or defensive driving course savings, and ask your insurer about adjustments, such as installing anti-theft devices, that could lower your premiums. Regular checkups ensure you’re taking advantage of all available discounts.
Ask About Group Discounts
Many insurance companies offer group discounts to members of professional organizations, alumni associations, or large employers. If you belong to a trade group, alumni association, or membership-based organization like AARP or USAA, you may qualify for exclusive savings.
This table compares discount percentages offered by various insurance companies for different categories, including good driver, multi-vehicle, bundling, telematics, good student, anti-theft device, new car, paperless, pay-in-full, military, and defensive driver.
Comparing Discounts Percentages vs. Other Providers for Various Discounts
| Insurance Company | Good Driver | Multi-Vehicle | Bundling (Multi-Policy) | Telematics (Safe Driver) | Good Student | Anti-Theft Device | New Car | Paperless | Pay-in-Full | Military | Defensive Driver |
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 22% | 25% | 25% | 40% | 25% | 15% | 15% | 10% | 10% | X | 10% |
 | 22% | 25% | 29% | 30% | 25% | 15% | 10% | 10% | 8% | X | 10% |
 | 20% | 15% | 20% | 15% | 20% | 5% | 15% | 8% | 7% | X | 10% |
 | 22% | 25% | 25% | 40% | 15% | 25% | 15% | 10% | 10% | X | 10% |
 | 20% | 25% | 20% | 30% | 10% | 23% | 10% | 5% | 8% | 15% | 10% |
 | 10% | 20% | 20% | 40% | 15% | 5% | 10% | 10% | 10% | 15% | 5% |
 | 20% | 12% | 15% | 20% | 12% | 10% | 23% | 10% | 10% | X | 5% |
 | 15% | 20% | 17% | 30% | 25% | 15% | 10% | 5% | 10% | X | 8% |
 | 10% | 8% | 10% | 20% | 8% | 10% | 10% | 10% | 10% | X | 8% |
 | 30% | 15% | 10% | 30% | 10% | 10% | 15% | 3% | 7% | 15% | 5% |
Companies like Allstate and Geico lead in Telematics discounts at 40%, while USAA offers the highest overall Good Driver discount at 30%. Discounts vary significantly, highlighting the importance of comparing providers to find the best rates for individual circumstances.
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Large employers also often secure discounts for employees. To take advantage, ask your insurance provider about available discounts, provide proof of membership, and explore any affiliations that might offer additional savings. These group discounts can lead to significant reductions in your premiums. Read more in our comprehensive handbook titled “Car Insurance Discounts by Age.”
Shop Around for Quotes
Different insurance companies offer a variety of discounts, so comparing quotes regularly helps you find the best savings. One insurer may excel in safe driver or bundling discounts, while another might reward low-mileage driving or advanced safety features. For a comprehensive overview, explore our detailed resource titled “Best Safety Features Car Insurance Discounts.”
When comparing, consider both price and coverage, and look for unique discounts or policy features like accident forgiveness. Review quotes annually or after major life changes to ensure you’re maximizing savings while maintaining adequate coverage.
Taking advantage of multiple discounts and regularly reviewing your policy ensures you’re getting the best deal possible on your car insurance. Stay informed and keep your coverage affordable by applying these strategies.
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Top Insurance Providers Offering Discounts for Car Insurance
Finding affordable car insurance can be easier when you know which companies provide the best discounts. Whether you’re a safe driver, have multiple policies, or drive less than the average person, several major insurance companies offer a range of discounts to help you save on premiums. Check out our ranking of the top providers: Cheapest Car Insurance Companies
Top Car Insurance Savings: Min. Coverage Auto Insurance Monthly Rates With Discount
| Insurance Company | After Discounts |
|---|---|
| $66 |
| $62 |
| $63 |
| $60 |
| $68 |
| $65 |
| $62 |
| $64 |
| $64 |
| $56 |
This table highlights the monthly rates for minimum coverage auto insurance before and after applying discounts from top providers. Companies like Geico, Allstate, and USAA offer significant savings, with discounts reducing premiums by up to 20%.
Comparing rates before and after discounts can help you identify the best provider to meet your budget while maintaining essential coverage. By understanding the discounts these companies offer, you can make informed decisions and keep your car insurance costs low while maintaining quality coverage.
Finding the Best Car Insurance Discounts to Ask for
Drivers can save up to 25% on premiums by taking advantage of the best car insurance discounts to ask for. Top companies like State Farm, Geico, and Progressive offer savings for safe driving, bundling policies, and low-mileage driving. To gain profound insights, consult our extensive guide titled “Low Mileage Car Insurance Discount.”
Save up to 25% on car insurance by asking for discounts like safe driving, bundling, and low-mileage. Stack offers and review policies to maximize savings.
Maximizing discounts is possible by stacking eligible offers, completing defensive driving courses, maintaining a good credit score, and reviewing your policy annually. By understanding these discounts and regularly comparing quotes, you can ensure you’re getting the best deal on your car insurance.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Frequently Asked Questions
What is the best way to get the largest car insurance discount?
The best way to get the largest discount is to combine multiple eligible offers, such as safe driver discounts, bundling home and auto policies, and low-mileage discounts. Stacking these discounts can significantly reduce your premiums, sometimes by up to 25%.
Can I get a car insurance discount for being a member of an organization?
Yes, many insurers offer group discounts for members of professional organizations, alumni associations, or membership-based groups like AARP or USAA. Be sure to ask your insurer if you qualify for these savings.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
How can completing a defensive driving course lower my car insurance?
By completing a defensive driving course, you can save 5-15% on your car insurance premiums. These courses teach safe driving techniques, and many insurers offer discounts for completing them. The discount usually lasts for up to three years.
For a thorough understanding, refer to our detailed analysis titled “Defensive Driving Course Car Insurance Discount for.”
Will improving my credit score help lower my car insurance premium?
Yes, maintaining a good credit score can lower your car insurance premium. Many insurers use credit-based insurance scores to assess risk, and a higher credit score can signal to them that you’re less likely to file a claim, resulting in lower premiums.
How often should I review my car insurance for new discounts?
It’s recommended to review your car insurance policy annually. Life changes, such as buying a safer vehicle or reducing your driving mileage, could qualify you for new discounts like low-mileage or anti-theft device discounts.
What types of safety features can qualify for car insurance discounts?
Vehicles equipped with safety features like anti-lock brakes, airbags, automatic seatbelts, and anti-theft devices can qualify for discounts. These features reduce the likelihood of accidents or theft, lowering your insurer’s risk.
To delve deeper, refer to our in-depth report titled “Is car theft covered by car insurance?”
Can young drivers qualify for car insurance discounts?
Yes, young drivers can qualify for discounts like good student discounts (for maintaining a high GPA) or safe driver discounts (for having no accidents or violations). Some insurers also offer discounts for completing driver’s education courses.
Is bundling home and auto insurance policies worth it?
Bundling home and auto insurance policies can provide significant savings. Many insurers offer discounts when you combine policies, sometimes reducing premiums by 10-25%. It’s a great way to simplify your insurance while saving money.
Can I get a discount for driving less than the average driver?
Yes, many insurers offer low-mileage discounts if you drive less than a certain number of miles annually. This is particularly beneficial for people who work from home or don’t commute frequently, as it lowers the risk of accidents.
To learn more, explore our comprehensive resource on insurance titled “Car Accidents: What to do in Worst Case Scenarios.”
What happens if I don’t qualify for car insurance discounts?
If you don’t qualify for discounts, there are still ways to reduce your premiums. Consider raising your deductible, shopping around for better rates, or adjusting your coverage levels to find more affordable options.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
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Compare quotes from the top insurance companies and save!
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.