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How to Find Car Insurance Discounts

If your car insurance got a little too expensive, there are plenty of car insurance discounts out there that you can look into. Discount insurance rates can lower your premiums and make them way more affordable, especially if you’re on a tight budget. Here’s your guide to finding the best discount insurance policy without sacrificing any of your coverage.

How to Get a Car Insurance Discount

If you’re wondering, “How can I get a discount on car insurance?” it’s easier than you might think. All you have to do is contact your insurance company and ask about it. Most companies are willing to offer discounts once they know you work a specific job or have certain features on your car. So, make sure to bring discounts up when you quote car insurance coverage.

That said, there are some car insurance discounts that should kick in automatically. For example, if you also have a homeowners insurance policy with the same company, you’ll likely qualify for an automatic multi-policy discount.

What Discounts Are Available for Car Insurance?

Now that you understand how to get car insurance discounts, what kinds are actually available? According to the National Association of Insurance Commissioners, some of the most common ones include:

  • Having both home and auto insurance with the same company
  • Insuring more than one car with the same company
  • Having extra safety and anti-theft features in your car
  • Being part of an organization or working for a certain employer

Luckily, many companies offer all of these and more. Let’s take a closer look at these discounts and some other popular ones to see different companies compare.

Car Insurance Discounts for Multiple Policies

A multi-policy discount is one of the most common car insurance discounts. It’s when your insurance company gives you a discount for having both an auto insurance policy and another type of policy, like homeowners insurance, with them.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Progressive
  • Allstate
  • USAA
  • MetLife

As you can see, nearly all of the main car insurance companies offer this discount. But unlike Freeway Insurance, they don’t have a wide array of insurance options. Rather than just providing auto and homeowners like is standard, Freeway goes the extra mile with business, health, and life insurance, giving you plenty of ways to earn a discount.

Car Insurance Discounts for Anti-Theft Features

When your car includes anti-theft or auto safety features, it is safer to drive. There is less likelihood that it will be stolen, so there’s less chance you’ll file a claim. Insurance companies understand that, which is why they offer you a discount if you have things like an alarm system or tracking device.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Progressive
  • Allstate
  • USAA

Don’t forget to mention any safety features on your car when you talk to an insurance agent and if they warrant a discount. It certainly never hurts to ask.

Car Insurance Discounts for Being a Good Driver

If you’re a good driver and don’t get into accidents, insurance companies appreciate that! So they’ll offer you a discount on your insurance.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Allstate
  • USAA
  • MetLife

On the flip side of this, many popular insurance providers won’t cover you if you’ve had too many accidents. That’s not true with Freeway. We even offer SR-22 insurance if you need to provide proof of insurance.

Car Insurance Discounts for Multiple Cars

Shot of a young couple using a credit card and laptop for finding car insurance discounts

Do you have more than one car? If so, you’ll definitely want to insure it with the same company—you could get a hefty discount!

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • State Farm
  • Progressive
  • USAA

Even with this discount, many of the popular car insurance providers are still more expensive than Freeway. We pride ourselves on offering the most affordable coverage on the market.

Car Insurance Discounts for Being a Student

Are you a student who’s rocking your report card? If you’re maintaining a GPA of 3.0 or above, most insurance companies will give you a discount.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Progressive
  • Allstate
  • USAA
  • MetLife

If there’s a teenage driver in your household, keep in mind that, beyond looking for discounts, you’ll need to find a comprehensive teen driver insurance policy to cover all of your and their bases.

Car Insurance Discounts for Being in the Military

To thank you for your service, many companies offer a discount to military members.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Progressive
  • Allstate
  • USAA

At Freeway, we pride ourselves in supporting all who served. That said, we also offer cheap car insurance to anyone who needs it. We want to make sure no one misses out on finding great coverage.

Car Insurance for Being a Senior

Once you’re in your 60s and older, you may be on a limited budget and not driving as much. Insurance companies recognize this and often provide discounts to senior citizens.

Insurance companies offering this discount:

  • Freeway Insurance
  • Geico
  • Nationwide
  • State Farm
  • Progressive
  • Allstate
  • USAA

Unfortunately, some companies raise insurance rates for seniors even with a senior discount because they might be less safe on the road than younger drivers. On the other hand, Freeway strives to make our rates affordable for every age group. Make sure to ask your agent about our rates for seniors.

Get Car Insurance Discounts With Freeway Insurance

We proudly offer several possible discounts, including an anti-theft discount, good driver discount, student discount, and many more. Get your free quote today to see which ones you qualify for!

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