Discounts for Safe Drivers
If you are a safe driver, and you have avoided having an automobile accident or any moving violations for three years, you may be eligible for a safe-driver discount.- Accident free for three years
- No moving violations in three years
Discounts for Safe Cars
Many insurance companies offer discounts to policyholders whose cars came equipped with certain safety features. These features reduce the risk of injury and theft; therefore, reducing the cost of auto coverage.- Air bags
- Anti-lock brakes
- Daytime running lights
- Anti-theft device
Discounts for Students, Adult Seniors, and Others
Car insurance for young drivers is often problematic, but full-time students who meet age and GPA requirements can sometimes get lower auto insurance rates. These qualifications vary by company and state. For example, Allstate requires full-time students to be 25 years old or younger and unmarried to receive the discount, but in some states, the age limit is 21. College students who are at least 100 miles away from home are often eligible for auto insurance discounts. If you're a driver between 50 and 55 years of age, retired or a senior adult, you may be eligible for discount auto insurance. And, taking a driver training or defensive driving course is another way you may qualify for a lower insurance cost.- Student drivers with good grades
- College students away from home
- Drivers 50 to 55 years of age
- Adult seniors
- Driver training course
- Defensive driving course
More discounts
Other things that qualify for auto insurance discounts include paying higher deductibles, having low annual mileage, buying auto and home insurance with one company and staying with one company long-term. If you are a low-mileage motorist, your insurer may offer a low-mileage discount. These discounts usually apply to drivers who carpool. Many insurance companies will give you a discount if you buy two or more types of insurance from them, such as homeowners or business auto insurance. If you have more than one vehicle insured with the same company, you may receive a multi-policy discount. Insurers sometimes reduce premiums for long-time policyholders.- $500 deductible
- $1,000 deductible
- Low annual mileage
- Auto and homeowners coverage with the same company
- More than one car insured with the same company
- Long-time customer
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