5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Save up to $717 by comparing quotes from the top 70+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Insurify’s expert insurance writers and editors operate independently of our insurance partners. As an independent agent and insurance comparison website, we make money through commissions from insurers. But that does not influence any editorial content, including reviews. Learn more.
Car insurance premiums vary by driver. Your location, age, credit score, gender, and driving record are just a few of the things that affect your rate.[1] For some drivers, car insurance premiums can be expensive. To help you save money, many car insurance companies provide discounts to eligible drivers.
Quick Facts
Insurers offer discounts for driver history, vehicle type or equipment, driver affiliations, and more.
Discounts reduce premiums by a specific percentage, such as 10%, 15%, or even 30%.
Virtually every insurer offers some type of discount.
Most car insurance companies offer discounts with varying savings potentials. However, some of the most common auto insurance discounts fall into categories, like vehicle-related discounts and policy-related discounts.
Driving history discounts
If you consistently practice safe driving habits, you might be able to qualify for special car insurance discounts.
For example, Progressive offers an average savings of $146 for drivers who enroll in Snapshot, the app-based safe driver discount program. State Farm also offers a safe driver discount program, called Drive Safe & Save, which offers a discount of up to 30%.
For drivers with no accidents on their records in the past three years, Progressive offers an average discount of 31%. If you’re a GEICO customer, the average discount for drivers who have been accident-free for five years is 22%.
These are some of the most common driving history discounts:
Accident-free
If you have no recent accidents on your driving record, you may get a lower average rate than someone with accidents on their record.
Defensive driver course
Many insurance companies provide a discount to drivers who complete an approved defensive driver program.
Low mileage
If you drive less than a certain annual mileage, you might be able to qualify for a low-mileage discount.
Telematics-based safe-driving app
Safe-driving apps use telematics to track your driving habits, like braking, acceleration, and mileage. If you demonstrate safe driving behaviors, you could get discounts for your car insurance.
Vehicle-related discounts
Many drivers can qualify for car insurance discounts based on the vehicle they have.
For example, if you’re a GEICO customer, you could save up to 23% by having an anti-theft device in your vehicle. GEICO also offers discounts for having airbags (23%) and antilock brakes (5%).
Here are some vehicle-related discounts that many popular car insurance companies offer:
Alternative fuel: If you drive a hybrid or an electric vehicle, some car insurance companies give you a discount on your premium.
Anti-theft device: Many insurance providers offer a discount if your car is equipped with an anti-theft device.
New car: Depending on your insurance company, you can sometimes get a discounted premium if you insure a new vehicle.
Safety equipment: If your car has certain safety equipment, like antilock brakes or collision warning systems, you could save money on your auto insurance.
Find Car Insurance with Discounts
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Affiliation discounts
Some auto insurance companies offer affiliation discounts. For example, GEICO offers a discount of 15% for military members and a discount of 12% for federal employees. GEICO also offers savings to people who work for specific employers and organizations.
Liberty Mutual is one of a few insurance companies that offer special coverage and discounts for teachers and school employees. For instance, qualifying teachers can get vandalism loss protection with no deductible in most states.
Here are several groups that can often qualify for affiliation discounts:
Military and veterans: If you’re an active-duty service member or a veteran, you can find insurance companies that offer military discounts.
Teachers: A handful of insurance companies provideteacher car insurancediscounts to qualifying educators and school employees.
Federal employees: If you work for the government, you might be able to find car insurance companies that offer federal employee discounts.
Driver-specific discounts can have a high savings potential. For example, if you switch to Progressive and bundle your policies, you can save up to 20%. Allstate’s average policy bundling discount is 25%, and USAA’s average bundling discount is 10%.
Many car insurance companies also offer car insurance discounts for students. GEICO’s good student discount yields an average savings of 15%, and Progressive’s average discount for students with good grades is 10%.
These are some of the most common driver-specific discounts:
Good student
Young drivers who are full-time students and get good grades in school can usually qualify for a lower car insurance premium.
Homeowner
If you own a home rather than rent, you could save money on your auto insurance policy.
Student away at school
Students who attend school away from home and don’t have a car with them can sometimes get a car insurance discount.
Customer loyalty
If you’ve been with your insurance company for a certain number of years, it may lower your premium.
Multi-vehicle
Insuring multiple vehicles on your car insurance policy usually results in a car insurance discount.
Bundling
Most car insurance companies offer discounts if you bundle two or more insurance policies, like auto insurance and home insurance.
Policy-related discounts
Policy-related discounts can be an easy way to save money on your car insurance premium.
For example, if you purchase a new policy at least seven days before the effective date, AAA will give you an automatic discount of 5%. Many insurance providers, like American Family and Auto-Owners, offer savings for paying in full and signing up for automatic payments.
These are a few of the policy-related discounts that many car insurance providers offer:
Automatic payment: Many car insurance companies offer a discount to drivers who enroll in automatic payments for their monthly premiums.
Early shopper: If you purchase a new car insurance policy before your old one expires, you could qualify for a discount.
Pay in full: Drivers who pay their annual premium up front and in full can usually save money on their annual rate.
Paperless statements: If you sign up for paperless policy statements, you might get a discounted premium.
What company has the most car insurance discounts?
Many national and regional car insurance companies offer discounts to customers. However, every car insurance provider offers different discounts, and some have more discounts than others. Before buying car insurance, it’s a good idea to research insurance companies to see which one has the best discounts for your situation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$82/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
My premiums continue to increase. I have no tickets and no accidents.
According to Progressive’s website, drivers can save an average of $650 on their car insurance policy. Progressive advertises various car insurance discounts, with savings for having continuous insurance, adding a teen driver to your policy, owning a home, and having no recent accidents on your record.
You can also save money by enrolling in Progressive’s app-based safe driver rewards program, called Snapshot. Drivers who demonstrate safe driving habits can save an average of $146 on their premium with Snapshot.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$183/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
I don’t like talking to a computer. I’m a one-on-one kind of person.
Liberty Mutual customers can get access to many car insurance discounts. The company offers savings for military personnel and veterans, shopping early, having no recent claims or violations on your record, purchasing a policy online, and signing up for automatic payments.
In addition, drivers can save money when they participate in RightTrack, Liberty Mutual’s telematics-based safe driver discount program. There’s a 10% discount for enrolling and an additional discount of up to 30% for completing the program.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$135/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Handled a claim ok, but they keep raising my price every 6 months.
Allstate is an excellent car insurance company for drivers who want the best discounts. Allstate offers savings for having an anti-theft device in your car, setting up automatic payments, enrolling in paperless billing statements, being a good student, insuring a new vehicle, and consistently paying your premiums on time.
Like many other national car insurance companies, Allstate has a safe driver rewards program, called Drivewise. In addition to tracking your driving behaviors, you can also complete challenges within the app to earn Allstate Rewards points.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$114/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
GEICO stands out for its impressive list of vehicle-related discounts. You can save money if your vehicle has airbags, antilock brakes, an anti-theft system, and daytime running lights. You can even get a discount by simply wearing your seat belt every time you get behind the wheel.
GEICO also has savings for military service members, going on emergency deployment, federal employees, and members of select affinity groups. You can also sign up for GEICO’s DriveEasy program, which provides a discount based on your driving behaviors.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$196/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
Travelers has discounts for safe drivers, continuous insurance, hybrid and electric vehicles, homeowners, and insuring a new vehicle. The company also offers several discounts for young drivers, including savings for good students, students attending college away from home, and completing an approved driver education course.
Through Travelers’ Affinity Car & Home Program, you can also qualify for discounts if you belong to a participating member group. Drivers who are eligible for this program can access exclusive savings that aren’t available to other customers.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo
In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Numerous discount and savings opportunities
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
Was very happy until I was told I would not be renewed as my agent was not with them anymore. I have to get a new agent and start as a new account after 50 years.
Nationwide offers many discounts to drivers who want to save money on their car insurance. You can find savings for accident-free drivers, good students, taking a defensive driving course, having an anti-theft device in your vehicle, and signing up for paperless policy statements.
In addition, Nationwide has a safe driver rewards program, called SmartRide, which carries a 15% discount for enrolling and a discount of up to 40% when you demonstrate safe driving habits. Infrequent drivers can also save money through Nationwide’s usage-based SmartMiles program.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$106/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$237/mo
The seventh largest insurer in the U.S., Farmers has been in business for more than 100 years. The company offers about 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A rating from A.M. Best for financial stability, Farmers has mixed online reviews from customers, and about four times as many complaints as expected in the National Association of Insurance Commissioners Customer Complaint Index.
Pros
Many discounts
Robust roadside assistance program
Cons
Lower customer satisfaction
Tends to have higher premiums than some competitors
No problems until the price went way up with no contact from the agent.
Dennis - September 10, 2023
Verified
I think they could do better with prices for a big organization.
Compared to other large insurance companies, Farmers offers fewer discounts. The only discounts mentioned on Farmers’ website are savings for having no recent accidents or violations and bundling your policies. Farmers does advertise state-specific discounts, but you need to contact an agent to find out what discounts are available where you live.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo
For nearly 100 years, Erie Insurance has been selling auto coverage. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, and ranks third in overall customer satisfaction according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.
Pros
Excellent BBB, J.D. Power, and A.M. Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Cons
Available in only 12 states
Customers can’t buy a policy or file a claim online
Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.
Erie offers a handful of car insurance discounts. It advertises more discounts than Farmers, but not as many as other companies, like Progressive. Through Erie, you can get savings for paying in full, having safety features in your vehicle, bundling your policies, and having a good driving record. Erie also offers special savings for young drivers.
If you drive infrequently or aren’t currently using your vehicle, Erie also offers a reduced-usage discount. You can get this discount if you don’t use your car for at least 90 consecutive days during the policy period.
How Insurify rates car insurance companies
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings and more to calculate a final score for a company. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the Insurify Quality Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Find Car Insurance with Discounts
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to reduce car insurance costs
Taking advantage of discounts is one way to lower your car insurance costs. Here’s how else you can potentially lower your premium.
Speak to an agent
If you think you’re paying too much for car insurance, or just want to lower your premium, it doesn’t hurt to speak to an agent. An agent can make sure you’re taking advantage of all the discounts you’re eligible for and provide additional suggestions for lowering your auto insurance rate. For example, you might be able to raise your deductibles or adjust your coverage limits to reduce your premium.
Maintain good credit
In most states, car insurance companies can use credit-based insurance scores, which means your credit score can affect your premium.[2] Drivers with good credit usually pay the lowest rates, whereas drivers with poor credit often pay much higher rates. Improving your credit and maintaining a good score can help you get cheaper premiums.
Shop around
The first car insurance quote you receive might not be the cheapest. Before purchasing a car insurance policy, shop around and get quotes from several companies. Comparing quotes makes it easy to find the cheapest premium for the coverage you want.[3] You can use a quote-comparison platform to simplify the process.
Car insurance discount FAQs
Here are answers to commonly asked questions about car insurance discounts.
Can you get a discount on car insurance?
Yes, many car insurance companies offer discounts to customers. You can commonly find discounts for bundling your policies, taking a defensive driving course, and having no recent accidents on your record. However, car insurance companies offer different discounts.
What discounts should you ask for when buying auto insurance?
When purchasing auto insurance, you can ask the agent if you qualify for certain discounts. For example, you might be able to save money if you pay in full, enroll in automatic payments, or sign up for paperless policy statements.
How do you negotiate cheaper car insurance?
Most insurance companies aren’t willing to negotiate a cheaper car insurance rate. However, you can typically lower your car insurance costs if you improve your credit score, choose high deductibles, look for discounts, and shop around to compare quotes.
What is a no-claims discount?
A no-claims discount is available to drivers who have no recent car insurance claims on their record. Insurance companies generally view drivers without recent claims as less risky and may offer them discounted car insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Progressive
Liberty Mutual
Allstate
GEICO
Travelers
Nationwide
Farmers
Erie Insurance
