Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 9, 2021

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Key takeaways...

  • Many factors go into calculating your monthly premium
  • Adding safety features in your vehicle can lower your insurance rate
  • Defensive driving courses can also help lower your monthly premium

Car insurance premiums can be high so your search for affordable car insurance should always begin by understanding what car insurance discounts are available.

There are a number of discounts available and the percentage at which these discounts lower your car insurance premiums vary depending on the car insurance company, your state of residence and the vehicle type. Driving record plays a large role. But discounts like mature driver or other another senior discount can substantially lower your rate. It’s harder to find the same discounts for younger people.

Of course, there are many ways to establish a record as safe drivers. Even for young drivers, taking defensive driving classes and signing up for telematics programs goes a long way. Senior drivers aren’t the only ones paying less.

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Which car insurance discounts are available?

People who ask the right questions can find discounts from paperless discounts and safe car discounts to accident free discounts. Some are calculated automatically while other are earned. Either way, they lower your rates while maintaining the benefits of a comprehensive insurance policy. Some, like good driving discounts, get better over time.

Always make a list of the safety features your vehicle has before contacting anybody for a quote and note if any of the following categories apply to your profile before starting car insurance comparison. You can maximize your discounts with the help of an insurance agent or online.

– Anti-Theft Deterrent Systems

Is your vehicle equipped with factory installed Anti-Theft Deterrent systems such as ignition lock, car alarm or LOJACK?

Anti-Theft systems drastically reduce the odds of a vehicle being stolen and car insurance companies offer discounts to any driver with a lower-risk profile.

– Anti-Lock Brakes (ABS Brakes)

Anti-Lock brakes were first introduced in 1929 for aircraft use but widely become part of car models during the 70’s and early 1980’s.

ABS stands for the anti-lock braking system and is a safety feature which prevents the wheels of a car from locking up while braking. An auto insurance company may check your car and apply this discount automatically.

This safety feature has a proven record of increasing your ability to navigate a vehicle in the case of an emergency and has led to significantly lower car accident rates for owners of vehicles with an anti-lock braking system.

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– Passive Restraint Systems Discount

Many vehicles come with some kind of passive restraint systems such as airbags or factory-installed motorized seatbelts. Airbags almost always provide a discount to car insurance premiums while other passive restraint system discounts will vary by company.

– Good Student Discount

Finding cheap car insurance for young drivers is tough, but if you are a student with good grades, it’s very possible to get a car insurance discount based on your academic record.

Calculating the risk of a driver is particularly important for young drivers, and car insurance companies have found people with good grades often pose a lower risk than those who do not.

– Senior Citizen Discount

Over 65? Ask about discounts based on your age and driving habits.

Statistics show older people drive far less frequently than younger drivers and auto insurance companies recognize this fact by offering lower auto insurance rates to older drivers depending on the total use of their vehicle. Insurance for seniors is full of discount opportunities if you know where to look.

– Hybrid Cars

Yes, car insurance discounts are available simply because you went green and have a Hybrid vehicle.

In fact, Travelers car insurance company advertises up to a 10 percent discount on premiums solely based on the ownership of a hybrid car.

– Good Driver Discounts

More recently we have seen many car insurance companies start rewarding good drivers with auto insurance premium discounts.

A good driver is defined by most car insurance companies as a driver who has been accident-free for more than three (3) years. This saves you money on accidents and deductibles. It also leads to lower auto insurance costs. Good driving habits make this easier to maintain, especially if you take advantage of telematics programs.

Some companies even offer a one-time exception so if you do get in a single accident your good driver discount is still applicable. Accident forgiveness gives drivers with a clean driving record the benefit of the doubt when something happens.

– Multi-Policy Discounts

As with any business insurance companies often sell multiple consumer products. Most providers who offer products such as home insurance or life insurance often extend discounts to car insurance rates if the policyholder has several policies with the same company.

With so many discounts available, it’s important to research online and start your car insurance comparison search by connecting with several companies. Your driving experience means different things to different companies. You can get additional discounts if you know where to look. Your loyalty discount with your current insurer may not be as great as you think.

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References:

  1. https://cars.usnews.com/cars-trucks/cars-with-the-best-safety-features
  2. https://www.geico.com/save/discounts/car-insurance-discounts/
  3. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4681952/
  4. https://www.geico.com/information/aboutinsurance/auto/determining-premiums/