The discount checklist
Most are applied on request, not automatically.
Insurance discounts are usually applied when someone asks for them or when the insurer happens to have the right data. Neither reliably happens on its own, which is why people carry the same premium through changes that should have lowered it.
Availability varies by insurer and by state, so nothing here is a promise that you qualify. It's a list to go through by name.
Policy and payment
- Bundling auto with home, renters, or another policy
- Paying in full rather than in installments
- Paperless billing and automatic payment
- Renewing before the policy lapses
- Insuring more than one vehicle
Driver and record
- A clean driving record over a defined period
- Defensive driving course completion
- Good student status for a student driver
- A student who lives away from home without a car
- Long-standing customer status
Vehicle and usage
- Low annual mileage — worth revisiting if you changed jobs or work from home
- Anti-theft devices and tracking systems
- Safety features such as automatic braking or lane assist
- Telematics or usage-based programmes, if you're comfortable being monitored
- Garaging the vehicle rather than street parking
Affiliation
- Employer, union, or professional association membership
- Alumni associations
- Military or veteran status
- Occupational categories some insurers rate favourably
When to ask again
Discounts fall off as circumstances change, and new ones become available the same way. Any of these is a reason to run the list again:
- You changed jobs, or your commute changed
- A driver left or joined the household
- You bought a newer vehicle with more safety features
- You added a home or renters policy
- A violation aged off your record
Want this priced for your situation?
This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.