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 Chris Harrigan

UPDATED: Sep 8, 2020

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Key takeaways...

  • If you have good credit, you are eligible for car insurance discounts
  • Students under 25 years old are also eligible for monthly discounts
  • People with clean driving records usually pay less for car insurance

In these tough economic times, most people are eager to find ways of saving their hard-earned money. One way to do this is by earning discount auto insurance.

You can also look into your current insurance company to see if they have any discounts available to you, and surprisingly, most policies do offer substantial car insurance discounts to policyholders.

The problem is finding which ones apply to you, as most automobile insurance companies don’t readily advertise their list of discounts.

Ready to find affordable car insurance? Enter your zip code above and start comparing for FREE!

Driving Habits

Where you drive your car, how often you drive it, and how you drive it are all factors in determining whether you are eligible for any discounts that are available to your car insurance policy.

This is for policyholders that drive less than the average 12,000 miles per year.

It’s known as the “low-mileage discount,” and it’s offered because the less time you spend driving, the less likely you are to be involved in an accident.

The mileage differs from one insurance company to the other, by the average discount is available to those who drive less than 6,000 miles per year.

Some companies will verify by checking your odometer yearly, but if you opt for public transportation, carpool or walk, the low-mileage car insurance discount can add up to savings.

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Garage Parking

Cars that are kept in garages have a slimmer chance of being damaged or stolen, as opposed to those parked on the street.

Insurance companies offer this discount to the comprehensive car insurance part of a policy, so ask your insurer if this applies to your vehicle.

Safe Driving Habits

This is definitely the most valuable, yet most simple discount for both you and your policy.

The safe driver discount is available to those drivers who haven’t been involved in an accident or gotten a speeding ticket in several years.

Policy Features On Car Insurance Discounts

The car insurance coverage you choose, the structure of your policy, and deductible all factor into discount opportunities.

Ask your insurer if you are eligible for any of these discounts:

  • Higher Deductibles  This discount is basic math — the bigger your deductible, the less your premiums will cost. To ensure this, make your deductible as high as you can afford to pay if an accident were to happen.
  • Multi-Policy  You can qualify for this discount by something called “bundling,” which is having several different insurance policies with the same company.
  • Payment Methods  If you can, try to pay your entire premium at one time or pay the maximum monthly premium to avoid any kind of fees, which can add up in the long run.

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Miscellaneous Auto Discounts

This category is often overlooked but has some substantial discounts available.

Ask your insurer for a full list of the “miscellaneous” discounts they offer, but here are a few:

  • Vehicle Safety Equipment  Airbags, anti-lock brakes, and electric seat belts can all factor into getting discounts, and most likely these discounts are applied with the opening of your policy and the disclosure of the year, make and model of your automobile. If you have a LoJack, car alarm or other approved theft-deterrent, discounts are also available.
  • Grade Point Average  For full-time students under the age of 25, a sizable discount can be offered if you maintain a GPA over a certain level.
  • Good Credit  Although you don’t get a discount for having a good credit score, you are charged more if your premium if you have bad credit.

Finding car insurance discounts is easy! Simply enter your zip code below and start saving!


  1. https://www.allstate.com/tools-and-resources/car-insurance/ask-an-agent-car-insurance-discounts.aspx
  2. https://www.statefarm.com/insurance/auto/discounts/steer-clear/steer-clear-online
  3. https://www.21st.com/insurance-newsletters/2013/02/how-to-choose-your-deductible.htm
  4. https://www.lojack.com/customer-support/faqs/
  5. https://www.geico.com/save/discounts/student-discounts/
  6. https://www.annualcreditreport.com/index.action