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: Sep 21, 2020

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Key takeaways...

  • The right discounts save money on car insurance without compromising on your coverage
  • There are a myriad of discounts that you could be eligible for depending on your situation
  • Comparison websites are the best source to find affordable rates since car insurance companies are competitive

Car insurance discounts help policyholders manage their premium payments without having to switch providers or directly negotiate with their insurance company.

Every car insurance policy has its unique particulars offered by the car insurance company, designed to cater to a certain class of customers. These particulars can be used by customers to lower their premium payments or deductibles.

Finding the right discounts helps save money on car insurance without compromising the amounts or details of given coverages. In the end, these discounts are a great boon to consumers because they keep premium inflation somewhat lower.

The costs of car insurance vary significantly from state to state. The same insurance policy with the same policyholder can cost more or less in terms of premiums based on where the policyholder lives.

High-cost states usually have higher fatality and accident rates. Drivers have to pay more in premiums because of statistical evidence demonstrating a higher accident risk.

Finding discounts in these states means researching as many insurance companies as possible before buying a policy. The lowest premiums available in these states may not be as low as the highest premiums in other states.

Are you looking to lower your car insurance rates? Enter your ZIP code above and compare at least three to four policies today!

Tips on Finding Car Insurance Discounts

Firstly, look for car insurance companies with low costs, such as businesses that sell policies over an 800 number like Geico or Amica. These companies also usually sell policies online.

Using our online car insurance premium comparison search can help customers find the best deals available for their circumstances.

A high-cost state and a poor driving record mean high premiums. Comparison shopping will narrow the average premium down based on sheer competition.

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Types of Discounts for Car Insurance

Discounts are sometimes offered in exchange for the policyholder doing something they would not do without the discount, such as buying and installing an anti-theft device.

Most new cars have anti-theft devices already installed, which gets the discount for nothing, but older vehicles need to have one installed manually.

Discounts vary based on the age of the car and the kind of device.

Multiple-car discounts are the easiest to get. A family with more than one car can insure all of them on the same policy for a discount. The best discounts insure two cars for the price of one.

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Most of the time a second car will cost less than the first car. This discount can vary between car insurance companies, so checking the advertised discounts can help you save greatly.

Group discounts are also very common. Car insurance companies can offer these discounts based on whether the policyholder is a member of an organization like a credit union or a sorority.

Group discounts are based on the number of people that sign up for a policy, so the greater the number, the greater the discount.

Defensive driving discounts are also available. Defensive driving falls under the more general category of driving education discounts.

Taking and passing a course on defensive driving may lower the premium by a specific amount. This discount deduction will be different from state to state depending on the rate of traffic accidents and possibly the number of arrests for road rage.

Don’t Forget

To find the best car insurance company discounts, search for car insurance companies on a price comparison website. Premiums listed on such a site are often much lower than if the customer calls each company directly.

Competition between companies lowers prices, and comparison websites provide the perfect forum for it.

Car insurance does not have to be as expensive as health insurance, thanks to the right discounts.

If you want better and more affordable auto insurance, enter your ZIP code below and start comparison shopping today!