Auto Insurance Discounts Take advantage of QuoteWizard's list of 24 auto insurance discounts.*

To help you find the best rates on auto insurance, we've compiled 24 different auto insurance discounts offered by the top insurance companies in the nation. If you qualify for any of the discounts listed below, be sure to compare auto insurance quotes and find a policy that gives you the rate you deserve.

Bundling Coverage Together

1. Multi-Car Discount
   If you drive two or more cars or have multiple cars in your family, covering them on the same insurance policy qualifies you for a better rate.
2. Home and Car Discount
   Purchase your home or renter/condo insurance from your auto insurance company and receive a discount on both.
3. Car and Life Discount
   Providers that also write life insurance polices will usually grant discounts if you bundle life and car insurance together.

Type of Vehicle and Safety Features

4. Alternative Fuel Discount
   Hybrid, electric, ethanol, and flex-fuel vehicles receive discounts on their insurance policies.
5. Electronic Stability Control Discount
   This feature helps your retain control of your vehicle in dangerous situations.
6. Anti-Lock Brake Discount
   Vehicles that stop faster and more efficiently are safer and, therefore, cheaper to insure.
7. Anti-Theft Discount
   Devices like Allstar, Lojack, and Teletrac help prevent auto theft and help law enforcement officers recover stolen vehicles. This means better security and better rates
8. Passive Restraint Discount
   Features that prevent or reduce injuries keep medical (and insurance) cost down.
9. New Car Discount
   Some insurance companies offer discounts for brand new vehicles.
10. Economy Car Discount
    Economy car drivers often receive discounts.
11. Utility Vehicle Discount
    Some utility vehicles qualify for discounts.
12. Farm or Ranch Vehicle Discount
    Vehicles used primarily for farming or ranching are cheaper to insure.

Your Driving Record and Insurance History

13. Accident Free Discount
    It makes sense: if you have a proven accident-free record, you pay less.
14. Prior Insurance Discount
    Insurance companies prefer to write policies to continuously insured drivers.
15. Long-term Policyholder Discount
    Loyalty means a lot to some companies. If you stick with one company for a long period of time, you should request a discount.
16. Defensive Driving Course Discount
    As a graduate from an accredited defensive driving course, you should receive a discount.

Student, Professional, and Club Memberships

17. Affinity Group Discount
    The Affinity Group includes professions like engineers, teachers, doctors, lawyers, and other professionals.
18. Good Student Discount
    Keep your grades up and your rates down. Usually a 'B' average or better is required.
19. Resident Student Discount
    Students living away from home tend to drive less. They're rewarded with cheaper policies.
20. Organization or Club Membership Discount
    Many club memberships qualify you for an auto insurance discount. MENSA, fraternities and sororities, AAA, and certain other memberships might reduce your overall costs.
21. Farm Bureau Member Discount
    Members of the Farm Bureau sometimes receive a special discount on their auto insurance.

Other Discounts

22. Paid in Full Discount
    Paying for your policy in full instead of breaking it up into incremental payments qualifies you for a discount.
23. Senior Discount
    Some companies offer a reduction in cost of Personal Injury Protection (PIP) for older drivers.
24. 55 and Retired Discount
    Retires drive less and generally drive safe. If you're retired, ask for a discount.

*Please Note:
Not all discounts are available from every company or in every state. This article is intended as a jumping off point for a conversation between you and your insurance agent.