Enter your ZIP code:

How to Get Discount Auto Insurance

by Penny M. Hagerman

Finding the cheapest auto policy used to take some time. But these days, insurance shopping is faster than ever before. Gone are the days of looking through the phone book for the right agent. Though some insurance professionals advertise offline, many now choose to offer discount auto insurance through services like ours online.

That makes it easier to find the right automobile insurance provider—and allows shoppers to get the lowest auto quotes by making agents compete for their business.

We've all read about ways to find discounts on auto insurance, right? But beyond choosing higher deductibles and maintaining good driving records, many people have never heard of some lesser-known discounts many insurers offer—regardless of the type of automobile driven.

Lesser-Known Discounts

  1. Select Driver Discount: If all drivers on the policy have more than five years of driving experience; have not had their license suspended or revoked in the last three years, and have not had a major automobile violation or more than one moving auto violation (including at-fault accidents) in the past 3 years, this discount may be applied.
  2. Double Deductible Discount: When purchasing discount collision and comprehensive coverage, an extra discount may apply when electing to have the deductibles "doubled" during the initial 45 days of the auto policy's period.
  3. Payment Plan Discount: Some insurance companies offer money off to those willing to pay auto premiums in full up front, or even quarterly. Doing so saves processing time and paperwork.
  4. Transfer Discount: For those who've previously held liability insurance through a different auto insurance company during the past six months, some insurers offer special discounts when transferring a policy over to them.
  5. Affinity Discount: For those who are members of certain qualifying organizations, an extra discount up to three percent may be available on auto policies.
  6. Passive Occupant Restraint Discount: An automobile with full front-seat airbags or restraint devices that work automatically when your door closes may qualify for additional savings.
  7. Carpool and Public Transportation Discount: Because using these means of transportation reduces a car's annual mileage, auto insurance companies often reward drivers who carpool or take public transportation lower rates.
  8. Farm or Ranch Vehicle Discount: For those who are full-time farmers or ranchers and are insuring a farm or ranch vehicle used exclusively for work on the property, this bonus could help keep costs down.

Though not available through all insurers, these unique discounts can really stack up when it comes to comparing policies and getting low rates.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17653
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17981
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16928
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17417
» How to Get Discount Auto Insurance youcomparequotes 17733
80 Insurance for Van Lovers youcomparequotes 17447
79 Car Insurance That Fits Your Needs youcomparequotes 17131
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17317
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18337
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17134
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19374
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17718
73 Auto Insurance from InsureMe youcomparequotes 17635
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17996
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18387
70 Buying and Insuring a New Car youcomparequotes 16759
69 Compare Auto Insurance Rates youcomparequotes 17090
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16595
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16692
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17165
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17278
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16616
63 How to Reduce Car Insurance Prices youcomparequotes 17154
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17349
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16664
60 Auto Insurance Cost & Your Ride youcomparequotes 17159
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16935
58 How to Get the Cheapest Car Insurance youcomparequotes 16843
57 Selecting a Car Insurance Company youcomparequotes 17545
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17152
55 Get the Best Car Insurance Rates Around youcomparequotes 17393
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16431
53 Child Safety Belts Keep Kids Safe youcomparequotes 17095
52 Speeding and Car Insurance Rates youcomparequotes 16797
51 Not At Fault Car Insurance & Accidents youcomparequotes 16935
50 State Auto Insurance Becoming Available youcomparequotes 17257
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17671
48 Car Insurance & Roommates or Family Members youcomparequotes 17249
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16945
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16849
45 SUVs: Minor Collision, Major Damage youcomparequotes 17402
44 Severe Weather Driving Tips youcomparequotes 17177
43 Avoiding Aggressive Drivers youcomparequotes 18036
42 Safety Tips & Car Insurance for Teens youcomparequotes 17095
41 Insurance for Cars: It's Your Choice youcomparequotes 17053
40 Car Insurance Quotes Save You Money youcomparequotes 17114
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17980
38 Safety Features Save Lives & Money youcomparequotes 16873
37 Curbing Auto Insurance Prices youcomparequotes 16413
36 Teen Auto Insurance youcomparequotes 16697
35 Car Insurance: Your Questions Answered youcomparequotes 16748
34 How to Buy Car Insurance youcomparequotes 17382
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16660
32 Truck Insurance for Your Pride & Joy youcomparequotes 16454
31 How Insuring a Used Car Can Save You Money youcomparequotes 17322
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17211
29 Credit Scores & Car Insurance youcomparequotes 17824
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16319
27 Reducing SUV Insurance Rates youcomparequotes 16836
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17353
25 How to File an Auto Insurance Claim youcomparequotes 16989
24 Avoiding Deer Collisions While Driving youcomparequotes 17459
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16809
22 Auto Insurance Basics That Save youcomparequotes 17216
21 It's Official - Men Are Terrible Drivers youcomparequotes 18709
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17467
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16992
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17252
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17022
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17376
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16865
14 Your Options in Motorcycle Insurance youcomparequotes 16840
13 The Advantages of RV Insurance youcomparequotes 17215
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34716
11 Insuring Your Teen Driver youcomparequotes 16973
10 The SR22 & Car Insurance youcomparequotes 16469
9 Auto Insurance & Generic Parts youcomparequotes 17178
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18306
7 Drowsy Drivers, Wake Up! youcomparequotes 16477
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17842
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17281
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21366
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16782
2 Auto Insurance Quotes youcomparequotes 17242
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17463
XE Login