Everything There Is to Know About Auto Insurance Discounters

Auto insurance discounters know that the cost you pay for insurance can be at the top of your list of priorities.

Auto insurance discounters know that the cost you pay for insurance can be at the top of your list of priorities. Many of the top car insurance companies in the country work hard to provide the insurance policy products you need, the customer service you deserve, and, very importantly, the discounts you can take advantage of to help you reduce your annual premium.

Insurance Companies With the Most Discounts

While there are several great insurance companies to choose from in the country, a great way to start finding the best rates is to look at the companies with the most available discounts.

American Family Auto Insurance

American Family Auto Insurance has policies for almost every type of vehicle you could imagine, from classic cars to RVs. Its policies also include coverages popular with many drivers, such as roadside emergency assistance, rental reimbursement, gap insurance, and rideshare. The company also offers earned accident forgiveness for drivers who remain accident-free for three years.

It also has a unique usage-based policy option called KnowYourDrive, which will keep track of your driving habits and help you save up to 20% on your policies.

As mentioned by Nerdwallet.com, American Family also offers a variety of discounts for drivers of all ages. Some of its most popular discounts include:

  • Multi-vehicle for having at least two vehicles on the policy.
  • Loyalty for customers who have been with the company for a set number of years
  • Early bird for those who get a quote from American Family just before a new policy with another company would start.
  • Multi-product for bundling other policies with your car insurance.
  • Steer into Savings for switching to American Family after being with another carrier.
  • Auto safety equipment for having newer vehicle safety features.
  • Defensive driver for those 55 and older who take a defensive driving course.
  • Good driving for having a clean driving record.
  • Low mileage for driving less than 7,500 miles per year.
  • Good student for young drivers who get good grades.
  • Teen safe driver for teens who have maintained safe driving habits.
  • Away at school for students who are more than 100 miles away from home at school without their vehicle.
  • Young volunteers for drivers under 25 who perform 40 hours of volunteer work per year.
  • Generations for those whose parents have been American Family customers.
  • Autopay for those who are enrolled in recurring electronic payments.
  • Pay in full for paying for the complete policy when you sign up.
  • Paperless for utilizing electronic billing and policy documents.

Auto-Owners Insurance

Auto-Owners Insurance is another popular company that provides vehicle insurance. It’s popular for its add-on coverages, such as roadside assistance, gap coverage, and additional expense coverage. It also offers a special package, the Personal Automobile Plus Package. With this, you will be able to choose 10 additional coverages ranging from re-keying to cell phone replacement.

The company also offers policy owners diminished value coverage, which will provide coverage for the full value of your vehicle, even if repairs depreciate the value, says Forbes. Auto-Owners provide some of the most popular discounts in the industry, including:

  • Multi-policy.
  • Payment history, which is added once you have made on-time payments for three years.
  • Green/paperless.
  • Paid in full.
  • Advance quote.
  • Multi-car.
  • Safety equipment.
  • Good student.
  • Student away at school.
  • Teen driver monitoring, which uses a permanently installed GPS on your teen’s car to monitor driving and reward good habits.


GEICO is one of the most well-known car insurance companies that utilize complete online policy management systems. It provides overage for all types of vehicles, including classic cars. They include sought-after option coverages such as emergency roadside assistance and some unique discounts, such as breakdown insurance.

GEICO also provides accident forgiveness free of charge for those who maintain a clean record. It also will not increase rates after your first at-fault accident. GEICO boasts lower-cost policy rates, primarily due to its many available discounts, including:

  • Vehicle safety equipment.
  • Safe driving.
  • Driver’s course/training.
  • Good student.
  • Federal employee, which provides 8% off for both active and retired federal employees.
  • Membership and employee, which gives members of certain clubs and professional organizations discounts.
  • Military for active duty and retired military.


According to Bankrate.com, USAA provides vehicle and other insurance for active and retired members of the military, their spouses, and their dependents. It offers offer a variety of types of coverage for their policyholders, including aviation insurance when they travel.

Policyholders can opt for accident forgiveness if they are concerned about the potential of an at-fault accident raising their rates, but customers who don’t choose this policy will still have this feature after five years of being accident-free.

USAA also provides coverage for rideshare drivers and food delivery.

USAA is one of the lowest cost insurance companies in the U.S., and you can gain even lower rates by taking advantage of one of the many discounts, which include:

  • Length of membership.
  • Safe driver.
  • Defensive driver.
  • Driver training.
  • Good student.
  • New vehicle, which provides a discount if your vehicle is less than three years old.
  • Multi-vehicle.
  • Annual mileage.
  • Vehicle storage, which can save you 60% when your vehicle is unused.
  • Family discount for those whose parents were USAA members.
  • Military installation, which can provide up to 15% off for those who store their vehicle on base.
  • Multi-policy.
  • Pay in full.
  • Student away from home.

These are just some of the insurance companies that use a large number of discounts to help you get the coverage you need at a price you can afford. By shopping around and taking advantage of all the discounts you qualify for, you can afford the coverage you need to stay protected.

Check this out if you need additional information, resources, or guidance on car insurance.

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