There are plenty of discounts that could make your car insurance premium drop. We’ll list some examples so you can get on the line with your insurance agent ASAP.

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While you may be willing to pay a bit more for your car because you love its styling or performance, you probably don’t want to overpay for insurance. What can cause you to pay more than you should for insurance? Not taking advantage of all the discounts available to you.

This may come as a surprise to you, but your agent may not fill you in on all of the discounts out there. Sure, they may make some suggestions, but you’re better off doing a bit of your own research so you can let them know exactly what you’re looking for.

Luckily, you won’t have to do much research, as we’ll reveal some of the best car insurance discounts that can keep more cash in your pocket.


Do you have multiple insurance services, but they’re all handled by different carriers? If so, that can be time-consuming as you’ll have to deal with them separately. But it can also be costly.

If you bundle your car and property coverage under the same contract, you can save a good amount of money. Farmers, for example, has offered a bundling discount of 22 percent in the past for those who combined their car and home policies.

Bundling different types of policies can save you money, but so can keeping all of your cars insured with one company. Doing this with Geico can save you 25 percent.

Good Grades

Buying car insurance for a teenager can be traumatic once you start to look at the high prices. If your teen has good grades, though, they could see a significant discount. State Farm, for example, has a 25 percent discount for teens who are good students.


When shopping for a car, you may want to give its safety features a stronger look. Not only will they protect you in the event of an accident, but they can also lead to insurance savings.

If you buy a car with a full-front-seat airbag, Geico will give you a 40 percent discount. That’s huge for a feature that may not seem that important or appealing.

Defensive Driving

You can become a better driver and cut your insurance costs by taking a defensive driving class. Make sure the class you sign up for is accredited. You can call your insurance agent to confirm.

Advance Payment

Do you have some extra cash sitting around? If so, you may want to use it to pay your insurance premiums in advance. In some cases, doing so could save you as much as 15 percent.


Members of the military or other groups and organizations can sometimes enjoy discounts on their car insurance. The same holds true for employees of certain companies. To see what you may qualify for, ask your insurance agent for any affiliation discounts. And once you do that, ask them for discounts in all other areas to maximize your savings.

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