Best car insurance discounts: Top options and providers

Written by: Sarah Sidlow
• Updated •2 min read
This date may not reflect recent changes in individual terms.
Nurse walking by her white car on the way to work.Image: Nurse walking by her white car on the way to work.

In a Nutshell

Could you be saving money on your car insurance? Here’s a rundown of the top insurance companies offering discounts for things like driving safely, being a good student, bundling multiple insurance policies and more.
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There’s a lot that goes into choosing the right car insurance. You want to make sure you’re getting the appropriate amount of coverage and that your insurer offers services in a way that works best for you — whether that’s online, via a local agent or on a mobile app.

Car insurance can be pricey, which is why it’s also important to shop around for quotes and research any discounts you may be eligible for. Luckily, many insurance companies offer a range of discount options for drivers based on things like your driving record, customer loyalty, student or military status, and other factors.

FAQs about car insurance discounts

What are the most common car insurance discounts?

Insurance companies often offer discounts for things like bundling multiple policies, having a safe driving record, or being a student, senior or military member. You may also score a discount for things like having anti-theft devices in your car, being a loyal customer and paying your bill in full or online.

What’s the best way to save money on car insurance?

One of the best ways to save money on car insurance is by maintaining a clean driving record. But even if your driving history isn’t perfect, many insurance companies offer discounts that can help you save money on your premium.

How we picked these insurers

We looked at 11 of the top national traditional insurance companies and compared how their discounts stacked up in various categories.

In addition to identifying the most-generous discounts, we looked at available coverage options and customer satisfaction ratings according to J.D. Power. Insurance companies also won points for having multiple overall discount options or within a specific category.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.