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Car Insurance Discount Options Worth Checking

Tap each step to follow along in order.

  1. Check the dashcam discount

    Many insurers offer a discount for having a dashcam installed, on the reasoning that recorded footage makes it easier to establish what actually happened in an accident.

  2. Check the mileage-based (telematics) discount

    A pay-as-you-drive or telematics discount lowers your premium the less you drive annually. It typically works by declaring an estimated mileage when you sign up, then reconciling the premium against your actual mileage afterward.

  3. Check family or parental discounts

    Some insurers offer a discount tied to family circumstances, such as having a young child, though the exact conditions and how much it saves differ from one insurer to another.

  4. Check the advanced safety feature discount

    Vehicles equipped with advanced safety technology, such as automatic emergency braking, often qualify for a discount from certain insurers.

  5. Compare multiple insurers

    The types of discounts offered and how much each one saves differ meaningfully between insurers, so it pays to compare discount options alongside the base premium rather than looking at premium alone.

  6. Why it is worth checking

    Matching the right combination of discounts to your actual driving habits and vehicle features can meaningfully reduce your overall premium burden over time.

Discounts stack differently depending on the insurer

Not every discount is automatically applied -- many require you to actively request the rider, install a device, or submit proof, and the way multiple discounts combine (or cap out) varies by insurer. This is general information, not insurance advice; confirm exact terms with your insurer or a licensed agent.

It is worth re-checking discounts every renewal, not just at signup

Your driving habits, mileage, and vehicle equipment can change over the course of a year, and new discount programs are introduced regularly, so revisiting available discounts at each renewal -- rather than assuming your original setup still fits -- can uncover savings you would otherwise miss.

Frequently Asked Questions

Are these discounts applied automatically?

Usually not. Most require you to request the specific rider, install a qualifying device, or submit documentation, so it is worth asking your insurer directly which discounts you may qualify for rather than assuming they are added automatically.

Can I combine several discounts at once?

Often yes, but insurers commonly cap the total combined discount rather than allowing unlimited stacking, so the actual savings from combining several discounts may be smaller than adding each discount rate together.