If you want to know even more about auto insurance discounts, keep reading, as we’ve answered the questions you’ve asked the most below.
How do I get 10 percent off my car insurance?
There are many ways you can get a 10 percent discount on your car insurance, depending on your insurance provider. Many providers offer these types of discounts:
- Annual mileage
- Annual payment
- Auto insurance provider employee
- Certain safety equipment
- Continuous insurance
- Defensive driving course
- Driver training
- Driving history/habits
- Early quote
- Early signing
- Federal employee
- Good student
- Hybrid/electric vehicle
- Length of membership
- New car
- Paid in full / good payer
- Safe driving
- Student away from home
- Teen driver monitoring (GPS)
- Vehicle storage
- Young driver
Check what discounts your auto insurance provider offers so you can save 10 percent or more.
Which auto insurance has the most discounts?
The auto insurance provider with the most discounts is Plymouth Rock, with 18 different discounts, although not every discount is available in each state. These are some of Plymouth Rock’s discounts:
- Accident-free for five years in Connecticut, New Jersey, and Pennsylvania
- Defensive driving course in Connecticut, New Jersey, and Pennsylvania
- Driver training in New York, New Jersey, and Pennsylvania
- Driving history/habits in Pennsylvania
- Early quotes in Connecticut, New Hampshire, and Pennsylvania
- Good students in New Jersey and New York
- Bundling home and auto insurance in Connecticut, New Hampshire, Massachusetts, New Jersey, and Pennsylvania
- Hybrid/electric vehicles in Pennsylvania
- Membership/employee discounts in Massachusetts, Connecticut, and Pennsylvania
- Multi-car/family policies in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York
- Bundling in Connecticut, New Hampshire, New Jersey, and New York
- Paid in full / good payer in Connecticut, New Hampshire, Massachusetts, and New York
- Paperless/automatic billing in Pennsylvania
- Safe driving in New Hampshire, New Jersey, New York, and Pennsylvania
- Students away from home in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York
- Vehicle equipment in New York and Pennsylvania
- Young drivers in New Hampshire and New Jersey
- Alumni discounts in Pennsylvania
Why is my car insurance so high?
Your car insurance may be high for one or more of the following reasons:
- You haven’t taken advantage of discounts, like enrolling in paperless billing.
- You have a lot of supplemental coverages that you don’t need.
- You live in a state with a lot of auto insurance requirements, like Michigan.
- You live in a city, as cities have higher rates of vandalism and theft than rural and suburban areas.
- You aren’t married, as single, widowed, divorced, and separated people pay more for insurance than their married counterparts.
- You are male; men pay more for insurance, as they’re more likely to be involved in accidents.
- You have a short driving history, whether it’s because you’re a new driver or an immigrant who just got a U.S. driver’s license.
- You’re under the age of 25.
- You have bad credit and live in a state aside from Massachusetts, Michigan, Hawaii, or California, where basing auto insurance premiums on credit scores is banned.
- You have a history of accidents, tickets, DUIs, license suspensions, and/or license revocations.
- You had a gap in your auto insurance coverage.
- You have a long commute.
- You have a high annual mileage rate.
- You drive a vehicle with a low safety rating.
- You drive an expensive vehicle.
- You have a low deductible.
- Your car lacks anti-theft technology.
Which feature on your car is worth a discount on your car insurance?
These are some features on your car that are worth discounts on your car insurance:
- Alarm system
- Anti-lock brakes
- Automatic seat belts
- Crash-resistant doors
- Daytime running lights
- Electronic stability control
- GPS tracking
- Ignition kill switches
- Lane departure systems
- Multiple air bags
- Seat belts