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How Many Auto Insurance Discounts Do You Qualify For?

We can’t stress enough how important it is for you to fill out auto insurance quote forms as accurately as possible. Information submitted inaccurately can not only result in a price increase after your information is verified by carriers, but can result in you potentially missing out on special discounts that each carrier offers.

Here are some typical discounts available from carriers, by category. Remember that every carrier offers a different set of discounts, and the details of each discount may vary.


  • Good Driver: For a relatively clean driving record (minimal accidents and violations)

  • Occupation: Certain types of occupations (ie - Scientist, Doctor, Nurse, C-Level Executives)

  • Group: For being a member of groups and associations (ie – Military, Alumni, and Vocational)

  • Homeowner: For owning your home

  • Continuously Insured : Demonstrating no lapses in coverage on your auto insurance record

  • Good Student: If a full-time student, maintain a 3.0 or above GPA

  • Senior Citizen/Experienced Driver: For being a certain age, or having a minimum number of years with a drivers license

  • Driver Training: For completion of an accredited driver safety course


  • Alternative Fuel/Hybrid: Discounts for vehicles that do not run exclusively on gasoline

  • Passive Restraint: Vehicles equipped with airbags or automatic seatbelts

  • Anti-Lock Brakes: Vehicles equipped with anit-lock braking systems (ABS)

  • New Vehicle: Late-Model vehicles

  • Anti-Theft Device: For vehicles with passive or active disabling devices such as LoJACK


  • Multi-Driver: For having more than one driver on your policy

  • Multi-Policy: Bundling other policies such as home from same Insurer

  • Paid-In-Full: For paying your policy amount up-front, and in-full, as opposed to monthly, or quarterly

  • Multi-Vehicle: For including more than one vehicle on your policy

  • E-Signature: Signing certain policy documents online

  • Paperless: For choosing to receive all communications electronically rather than through snail mail

  • While the above is not inclusive of all discounts on the market, it represents the majority. Always be on the lookout for discounts, as they can make a significant difference in your total policy premium.

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