Nobody wants to pay more than needed for auto insurance. However, even if you’re already claiming some of the more common discounts with your current insurance company, you could still be leaving money on the table. That’s because there are several lesser-known car discounts that you could be missing out on.
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Keep in mind that specific discounts offered will vary from one insurance company to the next. Still, it never hurts to inquire about these and other variables that will allow you to maximize your savings.
Have you missed out on these car insurance discounts?
If you have, you are not alone. Most drivers are clueless though it may not necessarily be their fault. Many car insurance companies don’t overly advertise available discounts for obvious reasons. Check out these common auto insurance discounts.
Who knows, you might be just a few clicks from cheaper car insurance and saving hundreds of dollars per month!
Organization or Military Car Insurance Discounts
Many insurance companies offer small discounts for policy holders who are part of certain organizations, including Federal organizations such as the National Federation of Federal Employees.
On that same note, you may also be able to receive a substantial discount on your auto insurance premium if you have military affiliation. Depending on the company, discounts may apply if you’re a current active member of the military, are retired military, or are a part of the National Guard.
Low-Mileage Car Insurance Discounts
How many miles do you drive your car on an annual basis? If your estimated annual mileage is around 12,000 or less, there’s a good chance you could be eligible for a low-mileage discount.
Your insurance company considers you a lower risk if you aren’t on the road very often, so they’re able to pass along some savings to you. Just be aware that if you claim this discount, your auto insurance company may ask for proof of your odometer reading once a year in order for you to maintain this discount.
Advance Renewal Car Insurance Discounts
If you’re happy with your coverage and policy, you might be eligible for a discount if you choose to renew your policy a little early rather than waiting until the end of your premium term.
Sometimes, advance renewal discounts are offered for those who renew just 10 days early, so it’s worth checking with your insurance company to see if you could be eligible.
Automatic Payment Car Insurance Discounts
Setting your account up for automatic payment from your bank or credit card can also be a great way to enjoy additional savings.
If your auto insurance company offers enrollment in automatic payment, check with them to see if they’ll give you a small discount for using this feature rather than paying your bill manually each month.
Anti-Theft System Car Insurance Discounts
If your vehicle has an anti-theft system—especially one that can locate and even shut off your car remotely—make sure your insurance company is aware of this. These systems make your car a much lower risk for theft, which should in-turn reduce your auto insurance premium!
These are just a few of the lesser known discounts that you may be eligible for with your car insurance. Checking to see which discounts may apply to you and shopping around for the best quotes on the coverage you need are the best ways to make sure you don’t overpay.
So, if you find yourself asking, “Am I paying too much for car insurance?”, we’ve got the answer you’re looking for; Florida drivers can now compare auto insurance quotes tailored specifically to them with zero obligation.
Maximize your car insurance discounts today.
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55 comments
Great article I’m always looking for discounts with car insurance this help out a lot thanks!
I know Allstate has a low mileage auto policy in Florida (MileWise). Can you provide information on other companies with these policies in Florida???
This MoneyGeek article can help with more info about low mileage options
my insurance is very expensive and now I have a bad situation and I will have to change it. Thanks for the information, it will help me a lot
I have purchased a car and I want to insure my car with my title at lowest cost as possible. How can I get it?
Compare rates for auto insurance in FL to see which company can give you the best coverage at he best price. You can enter your zip code here to see various providers : https://www.etags.com/auto-insurance
Wow! These are very insightful discounts, thanks so much for sharing these! My family and I have recently been looking for a website just like this. I will definitely recommend!
I would like to make my renewal in advance, I am just in time
great! you can renew your registration at etags.com/app/fl
Could you explain me better how to achieve automatic payment?
You should contact your insurance company to see if they allow automatic payments. If they do, they’ll be withdrawing your payments directly from your bank account or credit card you’ll place on file with them. Some insurance companies charge a minimal fee for possibility of paying month to month, which will vanish if you pay whole premium at once. It’s best to talk to your insurance company to get their specific detaisl.
Necesito un asegurador de confianza?
It’s always a good idea to research various insurance companies so you can compare rates and policy coverage
I have purchased a car and I want to insure my car with my title at lowest cost as possible. How can I get it?
just research insurance companies and compare policies, you want to make sure you’re getting the right coverage for you. Rates will change depending on many factors such as where you live, age, year and make of car and so on.
I find it interesting the fact of fines and what people want to save if they pay for insurance, that can have consequences if they get out of control
I am young and month would like to apply for my driver’s license, what should I do? What do you recommend me to do, not to fail the test? Thank you
Why not try prep test online?
What do I have to do if I lose my driver’s license and I have to leave the country.?
You’d probably need a passport as form of ID in another country. When you come back to the U.S., you can go to Gorenew.com to order your license.
thats a great and very well and i will share it my frnds for sure. thanks for sharing i
I just moved to Florida from Texas, is my license still valid?
You have 30 days to change the address on your license.
Excellent information for car insurance discounts. Very interesting.
Thanks for reading!
Excellent discounts to comment to my family and friends, very good!
Fantastic, Braun. Feel free to discuss it with your insurance agent. Good luck.
I just moved to Florida from New York. My license expires in a few years. . Will my license issued in New York continue in effect?
Hello Minela. If you move to another state, you will need to register your out-of-state vehicle with the local DMV. Since you are a new resident in Florida, you are required to register your vehicle within 30 days after moving. You will need to visit your local DMV agency and bring your title, proof of ID, and car insurance card. You must also submit VIN inspection and odometer reading. Pay your initial $225 vehicle registration fee, title fees, plate fees, and taxes. Please click on the following link for more information on first time registrations in the state of Florida.
I have purchased a car form my friend and I want to re-insure my car with my title at lowest cost as possible. Is there any discount and how can I get it?
Hello. You will need to contact auto insurance companies and compare their rates in order to determine which ones offers more value to you. If you are searching for discounts, you will have to ask agents of any possible discounts that you are entitled to based on your profile. You can also visit their website where they usually mention what type of discounts they provide to their clients. Good luck!
great article. will share it my frnds for sure. thnks for sharing
Thank you, Fakhar. You can always talk to your agent and find out what you can do to lower your insurance rates.
great article. will definitely share it with my frnds. thnks for sharing
Thank you, Fakhar. You can always talk to your agent and find out what you can do to lower your insurance rates.
I have multiple accidents on my record, and just recently moved to florida from out of state, are there any classes you know of that could generate a discount?
Hello Leo. The Florida Online Traffic School offers courses that can help you master defensive driving which will help you get a better discount when applying for an insurance. Here’s a link with more information about the course.
My neighbor and I were just talking about how much her insurance is going to cost for renewal. I’m going to tell her about these discounts right now.
Hello Jessica. Please feel free to share this article with your neighbor as it could help them a lot. Thank you.
My neighbor and I were just talking about how much her insurance is to renew and how she’s just going to start taking the bus. I’m going to go tell her about there discounts right now!
Hello Jessica. Please feel free to share this article with your neighbor as it could help them a lot. Thank you.
Why is it rare for car insurance companies to advertise available discount
Hello Nathaniel. Many customers have different expectations and needs. Drivers are encouraged to make enough research to find out what they are eligible for and save more money.
Comment: I will definitely contact my insurance company now that I work from home. Hopefully they can adjust my rate.
Hello Jon. You can always contact them and ask them as many questions as you can. Note that some discounts are not found online so look at your current profile to verify what you may qualify for. Good luck!
How long it needs to insurance and recovery (if any accident occurs) ?
Is there any discount for my 2016 Ford Mustang model ?
Hello Ivyl. You will need to examine the benefits of having collision and comprehensive coverage since an accident could happen in many different ways. When it comes to discounts every insurer works differently so feel free to ask them any question you have in mind.
Can I get a discount for if I drive my vehicle only a few miles a week? If so will they want to get my mileage as proof? If I take a vacation and drive my car a great distance that one week will I need to notify the insurance company prior to the trip?
Hi Katie, great question. Many times you will be able to get a discount if you are putting low mileage on your vehicle. However, this will differ based on your insurance provider so you will want to directly contact them.
hello, im actually looking for car insurance discount but im kinda new regarding all these discount could you give me a quick guide which is how to pay, how much to pay etc.?
Hey Luis. Assuming you are located in Florida? If so, you can fill out our Florida-specific auto insurance rate tool here or call the number listed.
Our dedicated insurance professionals are ready and waiting to answer any questions you might have and will be sure to help you get the best price available based on your needs.
Hello, I am curious: what is the best way to attempt to receive a discount for auto payments? I currently pay for my insurance via auto debit and was unaware this may be possible. Are there any tips or recommendations of where to look for such information, or should I simply contact customer service?
Hello Gina! You could always contact your insurance provider to verify whether you are entitled to a particular discount based on your payment features. To expand your options, please click here to see how much money you could save on your car insurance.