Insurance
101Optimize your Automobile Insurance Discounts
There are many car insurance discounts available
that can help reduce your car insurance rates. Depending on your auto policy type, coverage purchased, and the state in which
the policy is written, you may be eligible for one or more car insurance discounts below. The following is a summary of some
of the discounts offered.
Clean Driving Record Discount – Three and Five Year Tiers
- You may be eligible for this car insurance discount if all the drivers to be insured have had no accidents and no chargeable
violations within the past three years. You may be eligible for an even greater discount if no accidents and no chargeable
violations occurred in the last five years. In addition, you and all the drivers to be insured must have maintained continuous
standard automobile liability insurance for the past three years. Drivers who have obtained a driver's license within
the past three years, must meet the above criteria from the date the license was obtained.
Defensive Driver
Class Discount - If the principal operator of the covered vehicle is 55 or older (age criteria can vary by state)
and has completed an approved defensive driving class (in some states, the class must be voluntary, meaning not the result
of a violation), you could possibly save on your auto insurance policy.
Multiple Policy Discount
- You might save up to 10 percent on your car insurance if you also carry your property insurance with us. That could be a
homeowners, condominium, mobile home, or (in some states) renters policy.
Passive Restraint Systems (airbags/seatbelts)
Discount - You could save on your auto insurance if your car is equipped with airbags or factory-installed motorized
seatbelts.
Anti-Lock Brake Discount - If your car has an automatic factory-installed, four-wheel
anti-lock braking system (ABS), you could save on your auto insurance premium.
Anti-Theft Device Discount
- In certain states, you could save if your car is equipped with certain anti-theft devices.
Good Student
Discount - If you are a full-time student who meets certain grade requirements and are under age 25 (in some states
the age is 21) and unmarried, you could save money on your car insurance.
Senior Adult Discount
- You could save on your Personal Injury Protection (PIP) coverage if more than 25 percent of the estimated mileage driven
on your car is by anyone 65 years of age or older. (PIP coverage and this discount are not available in all states.)
55 and Retired Discount - If you are 55 or older and not employed full-time, you could save money on your
car insurance.
New Car Discount - This discount may apply when you insure a brand new (never
previously titled) vehicle. Eligibility and amount of the discount will depend on the model year of the vehicle and your state.
Economy Car Discount - If you own a certain type of economy car, you could save on your auto
insurance.
Utility Vehicle Discount - You could save on your auto insurance if you own a certain
type of pickup truck.
Resident Student Discount - If there is a restricted driver on your policy
under age 21 who lives at school over 100 miles from home, you could save money on your car insurance policy.
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