Using Driver Discounts to Save on Car Insurance

With driver-based discounts, you could save just for being a particular age, owning a home, working for a certain company, or demonstrating safe driving habits. While many of these are only eligible for certain groups of people, it’s important to be aware of all discount options so that you know where you can save as the circumstances of your life change.

Life Event Discounts

Drivers who are in certain age groups or who are in certain stages of life have extra saving opportunities when it comes to car insurance. Here are some of the most common discounts in this category:

• Homeowner discounts: save up to 25%. Whether you recently bought a home or you’ve owned one for years, being a homeowner can earn you discounts. You might also consider bundling your car insurance and home insurance to save even more.
• Senior discounts: save up to 15%. If you’re over 65, make sure you’re taking advantage of any senior discounts available to you. Many states require carriers to offer discounts to seniors that take qualifying driving safety courses.
• Student discounts: save up to 30%. Students can get discounts in a variety of ways, including for having good grades. Additionally, if you are a college student wondering if you should just cancel your car insurance while you’re away at college with no car, know that many insurance carriers offer discounts for exactly this situation -- that way you’ll still be able to drive when you do visit home.

Work-Related Discounts

Where you work matters when it comes to how much you spend on car insurance. Here are some of the main groups we see save the most:

• Military discounts: save up to 15%. If you are currently in the military or you are a veteran, many car insurance companies offer military discounts.
• Teacher and healthcare worker discounts: save up to 15%. Teachers and healthcare workers are also commonly eligible for extra savings.
• Company affiliation discounts: save up to 25%. This will depend on the company or organization you are a part of, but many companies have partnerships with insurance carriers that allow for employee discounts. Check with your organization to see if this might work for you.

Habit-Related Discounts

By having safe driving habits, you not only decrease your risk of accidents, but you also increase your chances of saving money on your insurance. Here are some examples of habit-based discounts:

• Low-mileage discounts: save up to 5%. Drivers that drive less than 7,500 miles per year could be in for savings. Mileage limits vary and some carriers may ask that you use a tracking app to get an accurate read on how much you drive.
• Safe driver discounts: save up to 40%. If you are a particularly safe driver, there’s a good chance you’re eligible for discounts. Carriers can determine this by checking out your driving record.
• Defensive driving discounts: save up to 15%. By taking defensive driving courses, you might qualify for discounts on your car insurance. Make sure to check with your insurance provider before enrolling in a course

Driver-based discounts are one of the easiest ways to save on your insurance. Take into consideration which discounts each carrier offers while shopping for car insurance in order to maximize your savings.

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