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auto insurance discounts

Auto Insurance Discounts


Auto Insurance Discounts to Save Money

You have to buy auto insurance, and you want to save money. This mean you’re going to need to get a few auto insurance discounts. Just about everyone can qualify for at least one car insurance discount, so make sure you’re reading the fine print and find the discounts that work for you. If you want help, you can always as your insurance agent to hunt down the best discounts for your car insurance policy.

Of course, you’ll still need to be a safe driver and avoid accidents and all that stuff. This also means keeping out of range of police radar guns. Tickets increase rates! No, really, slow down.

Understanding what auto insurance discounts are available is a good starting point. You can also compare auto insurance online as a way to find additional savings.

Loyalty based insurance auto insurance discounts

Multi-Car Discount

Average savings of 12%

Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (belonging to a spouse, family member, or roommate), as long as it’s kept primarily at your address.


Multi-Policy Discount

Save up to 20%

You can save money when you have two or more policies with the same insurance company. For example, if you have auto and home insurance with one company, you can earn a discount both of those policies. In some instances, if you can also bundle other policies, like motorcycle, RV or umbrella you can get even more savings. See more on bundling insurance.


Continuous Insurance

Save based on your stability

When you switch your insurance company, we may be able to honor the time you spent insured with your prior insurance company with a discount. The amount savings, or discount offered, will vary based on how long you were continuously insured.

Driver-level auto insurance discounts

Usage-Based Car Insurance

Let your good driving pay

Most insurance companies now have usage-based auto insurance programs. These programs personalize your auto insurance premium based on your actual driving behavior. This is a novel idea. The safer you drive, the more you can save. Learn more about usage-based auto insurance.


Teen Driver Discounts

Avoid some of the costs of young drivers

When you add your teen driver to your car insurance policy it can increase the price — some insurance companies allow you to offset the cost a bit with a teen driver discount when the teen is 18-years or younger. Learn more about car insurance for teens.


Good Student Discount

Savings varies

Got a smart student in the house? You can turn that smart student into a smart auto insurance choice. If you add a full-time student to your car insurance policy who has a “B” average or better, and you can likely earn a discount.


Distant Student Discount

Save when your student is away

If you have a full-time student on your policy who is 22 years of age or younger and lives more than 100 miles from your home, you’ll receive a discount — as long as the student doesn’t have a vehicle while at school.


Homeowner Discount

Save up to 10%

Sometimes you can’t bundle your car and home insurance. In these instances, you’ll get another discount simply for being a homeowner.

Discounts for how you shop and buy

Electronic Signatures

Sign and save money

This is an easy discount for anyone to earn. As long as you don’t object to signing your documents online, within the insurance carriers systems, you may be able to earn extra savings on your auto insurance.


Paperless Discounts

Savings will vary

Some insurance carriers will provide discounts when you opt to receive your documents electronically. Typically, these types of discounts are provided in conjunction with signing your policy documents electronically.


Paid-in-Full Discount

Pay up-front and save

If you are willing to pay the entire premium up-front, some insurance companies will provide you a discount. Beyond the premium savings, you can often avoid paying monthly billing fees as well.


Electronic Payments

Save based on how you pay

If the paying the premium in full when you purchase is the right option for you, you still have way to save based on you pay plan selection. You can earn a discount if you elect to pay your monthly installments using automatic, electronic payments from a checking account, credit card, or debit card. Frequently, this will also provide lower installment fees or eliminate them altogether.

More ways to save on car insurance

Compare auto insurance rates

Use comparison insurance quotes

A simple way to save money is to compare the rates and select the best option. You can do this online using our comparison quote tool, or discuss your auto insurance with an independent insurance agent.  Either way, you can see the rates of several A+ rated insurance carriers first and compare it against competitors and your current policy. See more on comparing auto insurance rates.


Avoid Tickets and Accidents

Safe driving saves money

Drivers without tickets and accidents save an average of 31% on their auto insurance premiums compared to those with these infractions. 

Let’s Start an Auto
Insurance Quote

Compare auto insurance quotes online.
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Call 1-877-334-7646 to speak with an insurance agent.

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Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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