1️⃣ Bundling Discount (Multi-Policy)

If you combine home + auto (or renters + auto), you can save up to 25% with many companies.
👉 One of the easiest ways to lower your bill instantly.

2️⃣ Safe Driver Discount

No accidents, no tickets? You could qualify for major savings.
Some companies even track driving habits through apps or devices to reward safe driving.

3️⃣ Low Mileage Discount

If you work from home or don’t drive much, you may be paying way too much.
Less time on the road = lower risk = lower premium.

4️⃣ Home Safety Discounts

Have any of these?

• Security system

• Smoke detectors

• Deadbolt locks

• Smart home monitoring

Insurance companies love safer homes — and they reward them.

5️⃣ Good Credit Discount

In most states, a higher credit score can significantly lower insurance costs.
Many customers never realize this affects their rate.

6️⃣ Pay-in-Full Discount

Paying your policy upfront instead of monthly can save you money and eliminate installment fees.

7️⃣ Loyalty or Prior Coverage Discount

Staying continuously insured (even if switching companies) can lower your rate.
Gaps in coverage often increase premiums.