Before you start
- Bundling, multi-car and good driver discounts are usually the biggest.
- Many discounts, like good student or defensive driving, need proof and are not applied automatically.
- Discounts vary by insurer and state, so compare final prices, not discount lists.
In this article
Have these ready
- Your current declarations page
- Report cards or transcripts for student drivers
- Defensive driving course certificates
- Proof of membership, employer or alumni status
Discount names and amounts vary by insurer and state.
Auto insurance discounts reward drivers who cost insurers less: less risk, less paperwork or a longer relationship. The catch is that many only appear on your bill if you ask.
Go through the three lists below and tick what fits. Your ticks stay on the page while you make the call.
Auto insurance discounts for how you buy and pay
Ways to save on how you buy
Who you are
Discounts based on you and your household
Compare discounted rates
SponsoredYour car and how you drive
Discounts based on the car
What to say when you call
"Can you review every discount on my policy?"
Ask the agent to go line by line. Mention anything you ticked above that is not on your declarations page.
"What would I need to send to qualify?"
Some discounts need a report card, a certificate or a membership number. Ask where to send it.
"Is there a usage-based program, and can it raise my rate?"
Some programs only give discounts. Others can raise your price for risky habits. Know which before you enroll.
"What would my price be if I paid in full?"
Compare it to your monthly total, including any installment fees.
See which insurers near you offer the most discounts
Enter your ZIP code to see insurers and quote options available where you live. It takes about a minute and there is no obligation.
A discount is not the same as a low price
Insurers start with a base price and subtract discounts. A company with a long list of generous discounts can still end up more expensive than one with a lower starting price and fewer discounts. Always compare the final number on each quote.
After the call, look at your updated declarations page and make sure every discount you were promised is listed.
Frequently asked questions
What is the biggest auto insurance discount?
Bundling auto with home insurance and good driver discounts are usually among the largest, but amounts vary by insurer and state.
Do discounts apply automatically?
Some do, such as multi-car. Others, such as good student, defensive driving or occupation discounts, usually need you to ask and provide proof.
Is usage-based insurance worth it?
It can be for safe, low-mileage drivers. Read the terms first, because some programs can raise rates for risky driving habits.
Can I get a discount for taking a driving course?
Many insurers offer one for an approved defensive driving course, and some states require insurers to give it to older drivers who complete a course.
Ready to compare auto insurance rates?
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