Updated: January 2022
Looking for ways to pay less for car insurance? Most carriers offer multiple discount options that make it easy to do just that. There’s a wide variety when it comes to available discounts -- you could save because of your job, your car model, or your payment settings, just to name a few options. While there’s no guarantee that you’ll find any that work for you, we recommend that all drivers ask their insurance provider about discounts in order to get the lowest price possible.
Vehicle discounts allow you to take advantage of savings related to your own car. Is your car new? Does it have updated safety features? If either of these is true, it’s likely you could be saving. Check out our guide to car-based discounts for more detail.
Just by being you, you could save on car insurance. While it’s unfortunately true that car insurance premiums are calculated based on factors that include demographic information such as your age and gender, it’s also true that some of these factors can earn you discounts. Driver-based discounts give drivers the chance to save with little-to-no effort. There are organization affiliation discounts, age-based discounts, and discounts based on your driving habits. To learn more, here’s our guide to driver discounts.
Finally, just by having car insurance, you could get discounts. Whether you’re a new customer or a loyal customer, or you’re bundling home and auto insurance into one policy, there are discounts available. For more information, check out our page on policy discounts.
How much you stand to save based on discounts alone varies dramatically between carriers. Not all carriers offer the same discounts, and how much a discount is for is up to the discretion of the insurer. As an estimate, we typically see savings ranging between 5 and 35% per discount. While at the lower end this amount might seem small, the money you save will add up quickly and the more discounts you’re able to use, the better.
Keep in mind that some discounts are auto applied by law. Some states mandate that insurance companies give certain discounts to drivers that meet the requirements -- always keep up with your own state’s laws to ensure you’re getting these savings. Once you familiarize yourself with the typical discounts available, check in with your carrier and see what they offer. If you’re interested in maximizing your savings, we recommend comparing quotes from multiple carriers on our site to see exactly what’s out there.
Even with discounts, car insurance can be expensive -- but it doesn’t have to be. By using USACarInsurance.com, you could save up to $744*/year on your next policy. Type in your discount and we’ll get you the lowest rates possible!