16 car insurance discounts to ask your agent about

Posted in Auto

Man laughs at woman’s joke while driving

You don’t have to skimp on quality to get the kind of car insurance that fits your unique needs and your budget. In fact, car insurance discounts can help you get the best of both.

Your independent insurance agent is a knowledgeable resource who can help you become aware of and take advantage of any car insurance discounts that are available to you. The next time you speak with your insurance agent, use this list to get the conversation started. Consider asking about these 16 car insurance discounts to see if you qualify.

Common car insurance discounts
These discounts are available through most car insurance companies:

  1. Safe driver discount – Haven’t been at fault in an accident or received a ticket in a long time? Having a good driving record can save you money on your car insurance.
  2. Good student discount – If you have a student on your policy with no chargeable accidents, excessive speed violations or major violations, you could qualify for this discount.
  3. Multiple policy discount – When you purchase multiple policies with the same insurer (home, auto, life, etc.), you may be able to “bundle” your policies and receive this discount.
  4. Multi-vehicle discount – If you have multiple vehicles you’re adding to your auto policy, you could receive this discount.
  5. Paid in full discount – For policyholders who pay in full before their due date, you could receive this discount.
  6. Electronic payment discount – Paying your bill online or setting up automatic payments can help reduce your car insurance costs with this discount.
  7. Student away discount – You can receive this discount while your college student is away at school and not using a vehicle.
  8. Homeowner discount – Own your home, townhouse or condominium? You’ll qualify and be able to save on your auto insurance with this discount.
  9. Legacy loyalty discount – Your child will receive this discount when they move off your policy and onto their own policy with the same insurance carrier.
  10. Advance quote discount – A new customer whose auto policy starts at least one day after receiving their quote will receive a discount.

Less common car insurance discounts
Some car insurance carriers offer unique discounts to help you save on your auto insurance. For example, along with other common car insurance discounts, Grange Insurance also offers:

  1. Education discount – You’ll receive a discount if you or your spouse has completed post high school education. This discount is based on the highest level of education achieved.
  2. New beginning discount – This discount is available for current Grange customers who are recently divorced or separated.
  3. Full coverage discount – For current Grange customers who purchase Collision Coverage on all vehicles on their policy, you can receive this discount.
  4. Occupation discount – You’ll receive a discount based on the occupation level of you or your spouse.
  5. Violation free discount – You’ll receive this discount if you’ve had no chargeable violations for three or more years.
  6. Young operator renewal – New drivers on a current Grange customer’s account will receive a discount based on the length of the current customer’s policy with Grange.

While this list is not exhaustive, it’s a great way to get the conversation started with your independent insurance agent. From the most common insurance discounts to the most unique, there are many opportunities for you to save money on your car insurance. Use these discounts to help you manage your insurance costs while finding comprehensive auto insurance coverage, customized to your needs.

This article is for informational and suggestion purposes only. If the policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. Discounts not available in all states. For full details on Grange’s auto insurance coverage and discounts, contact your local independent agent.


Related resources