Discount checklist
| Discount | Who qualifies |
|---|---|
| Multi-policy (bundling) | Buying home, renters or condo cover from the same insurer |
| Multi-car | Insuring more than one vehicle on the policy |
| Safe driver / claims-free | No accidents or violations for several years |
| Telematics / usage-based | Letting an app or device track safe driving |
| Low mileage | Driving fewer miles than average |
| Good student | Students, often with a B average or better |
| Defensive driving course | Finishing an approved course (required discount in some states) |
| Paid in full | Paying the whole premium upfront |
| Paperless / autopay | E-documents and automatic payments |
| Safety features | Anti-theft devices, anti-lock brakes, airbags |
| Loyalty | Staying with the same insurer |
| Occupation / affinity | Some employers, alumni groups, military and professions |
Availability and amounts vary by insurer and state.
The biggest savers
Bundling
Combining car and home (or renters) insurance with one company is usually the largest single discount. But compare the bundle with separate policies too; occasionally two insurers are cheaper than one.
Telematics
Usage-based programs track braking, speed, phone use and time of day. Careful drivers can earn a meaningful discount, but some insurers can also raise your price for risky driving, so read the terms.
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Sponsored listings. FindBestInsurance may be paid when you click them.Defensive driving courses
In about half of states, insurers must give a discount after an approved course, especially for drivers 55 and older. New York, for example, requires a 10% reduction for three years.
Raising your deductible
Not a discount, but moving a collision deductible from $500 to $1,000 can cut that part of your premium noticeably. Only do it if you have the savings to cover it.
Don’t forget to shop around
Discounts only go so far if the base price is high. Prices for the same driver can vary by hundreds of dollars between insurers, so compare quotes at every renewal. Our guide on how to compare quotes explains how to do it fairly.
Frequently asked questions
What is the biggest car insurance discount?
Bundling home or renters insurance with your car policy is usually the largest single discount, along with claims-free and telematics discounts.
Do telematics programs always save money?
Not always. Careful drivers usually save, but some insurers can raise rates for risky driving habits recorded by the app.
Can a defensive driving course lower my insurance?
Often yes. Many insurers offer a discount, and some states require one, particularly for older drivers.
How often should I ask about discounts?
At every renewal and whenever something changes, such as moving, buying a car, marriage or a student getting good grades.
Sources
- Insurance Information Institute: What determines the price of an auto insurance policy?
- NerdWallet: How much is car insurance? (2026 rate analysis)
Figures checked November 7, 2026. Insurance rules and prices change and vary by state and insurer; confirm details with the insurer or your state.