Auto Insurance Discounts

Most eligible discounts are automatically applied during the quoting process. To get quotes from various carriers and see which discounts are applicable, enter your vehicle garaging zip code below and hit "Quote on Discounts".

Auto insurance carriers offer discounts to individuals who pose less of a risk. Being eligible for more than one discount can have a substantial impact on premiums and lower rates significantly as they add up. The following is a list of some of the more common discounts offered:

• Good Driver: A motorist that has been licensed for at least three years and has a clean driving record is often offered a rate reduction.
• Good Student: Motorists attending school and maintain a "B" or higher grade point average can obtain a lower rate with certain providers. Proof may be requested by the insuring company.
• Vehicle Safety Features: Particular insurers may apply a reduction to a premium on Personal Injury Protection (PIP) and Medical Payments for having safety features such as air bags and automatic seatbelts.
• Anti-Theft Devices: Various carriers may reduce rates on Comprehensive coverage on vehicles equipped with low-jack, a GPS tracking system or an alarm. The insurer may request proof of installation.
• Anti-Lock Brakes (ABS): Property Damage and Bodily Injury policies can be cheaper for automobiles with an anti-lock braking system.
• Driving Courses: Completion of a state approved driving course can provide a discounted premium on Property Damage, Personal Injury Protection, Collision, Bodily Injury, and Medical Payments. This applies to motorists under the age of 25 and "mature" drivers;  Certificate of completion may need to be submitted to the insurer.
• Multi-Car: Many companies may offer a discount for having more than one vehicle on the same policy.
• Low Annual Mileage: A low number of miles translates into less time on the road and a lower likelihood of being involved in a collision.

Discounts may vary depending on the company as some companies may not offer a particular discount whatsoever, while others may apply discounts at different amounts. Consumers should also be aware that a provider offering a discounted rate does not necessarily mean that they are the cheapest in comparison. Many companies may offer cheap rates without even discounting the price of coverage.