Insurers rarely apply every discount automatically. Asking can shave real money off your premium.
Easy wins
- Paperless billing and autopay
- Pay-in-full instead of monthly installments
- Multi-car and multi-policy (bundling)
Driver-based
- Good driver / claim-free
- Defensive-driving course completion
- Good student or student-away-at-school
- Low annual mileage
Vehicle-based
- Anti-theft devices
- Anti-lock brakes and airbags
- Newer safety technology
Affiliation
- Employer, alumni, or professional-group memberships
- Military and first-responder discounts
How to use this list
Read your declarations page, note which discounts are applied, then call and ask about the rest. Re-check at every renewal, since eligibility changes as your car, job, and driving record change.