Top Discounts You Didn’t Know You Could Get on Auto Insurance

Auto insurance can feel like a fixed cost, but in many cases, there are savings opportunities hiding in plain sight. While many people are familiar with multi-policy or safe driver discounts, several lesser-known options could help reduce your premium. If it’s been a while since you reviewed your policy, here are a few discounts you might want to ask about.

Low Mileage or Usage-Based Discounts

You might qualify for a low mileage discount if you drive less than the average person, whether due to remote work or simply a short commute. Some insurers also offer usage-based programs, which use a mobile app or plug-in device to track driving habits (e.g., braking, speed and time of day). Safer, more consistent driving could lead to a lower rate over time.

Good Student and Alumni Discounts

Young drivers often face higher premiums, but many insurers offer discounts for full-time students who maintain good grades. Additionally, some colleges and universities have alumni programs that partner with insurance providers—meaning graduates may be eligible for group discounts that aren’t advertised widely.

Vehicle and Safety Feature Discounts

Certain car features can also lead to savings. Driving a vehicle equipped with anti-lock brakes, airbags or a factory-installed anti-theft system may qualify you for a discount. Eco-conscious drivers may also find that hybrid or electric vehicles come with incentive pricing.

Payment and Policy Management Incentives

Opting for paperless billing, paying in full at the start of the policy term, or enrolling in auto-pay are all simple ways to access small discounts that can add up over the life of your policy. Even how early you renew your policy can occasionally trigger a loyalty or early renewal discount.

Learn More

Seguro Noroeste LLC can help you review your current policy and uncover discounts you may already qualify for. Contact us at our Portland office today to find out if your coverage is keeping up with your eligibility.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.