Unlock the Best Discounts in Auto and Home Insurance

Q: What’s the most common discount?

The bundling (multi-policy) discount. Combining auto with home or renters insurance is widely available and often provides the largest savings.

Q: Are discounts automatic?

Not always. Some apply automatically, but many require you to ask or provide proof such as telematics enrollment, grade transcripts, or alarm certificates.

Q: Can renters get home-related savings?

Yes. Renters can bundle auto and renters policies, add safety devices, and often get similar discounts to homeowners.

Q: How do I keep discounts long term?

Shop around each year, refresh required documents, consider telematics, and maintain a clean driving record to keep your discounts.

Saving on insurance is easier than it seems. U.S. insurers provide dozens of discounts on auto and home coverage—from safe-driver rewards to smart-home savings. Knowing what’s available and how to qualify means paying less while keeping strong protection.

This guide shows the most valuable discounts, explains how eligibility works, and gives simple steps to compare offers so you never overpay.

Why Discounts Matter for Policyholders

Discounts directly reduce your premium. Many can be combined, but not all are applied automatically. Always ask. Qualify once, and you’ll keep the savings at every renewal. A few smart moves—like bundling, enrolling in safe-driving programs, or adding home safety features—can cut costs for years.

Get Your Auto Insurance Discount Quote

Check rates in your ZIP and see which discounts apply.

Discover Home Insurance Savings

See available savings for homeowners or renters in your area.

Ways to save with auto and home insurance discounts in the USA

Main Types of Auto and Home Insurance Discounts

Here are the most common and effective discount categories. Use them together for maximum savings.

Bundling (Multi-Policy)

Combine auto and home (or renters) with the same insurer to unlock a multi-policy discount. This usually brings the biggest savings and simplifies billing. Even if you rent, pairing auto + renters works almost the same. For details, see our guide on bundled quotes.

Safe Driver & Telematics

A clean record almost always earns accident-free discounts. Many carriers also run telematics programs that reward smooth braking, steady speeds, and daytime driving.

Try it for one term. If your score lowers your rate, keep it. If not, simply opt out at renewal.

Good Student & Young Driver

Teen drivers cost more, but good grades help. A “B” average or higher usually qualifies for savings. Students living away at school without a car can also get a break.

Tip: upload transcripts once per year. Set a reminder so the discount never drops off.

Home Safety & Renovation

Insurers reward homes with monitored alarms, smoke/CO detectors, leak sensors, and storm-resistant roofs. These upgrades lower risk and your premium.

Always ask for your carrier’s approved list before buying devices to make sure they qualify.

Loyalty, Affiliation & Payments

Members of certain groups (teachers, nurses, alumni, military) often qualify for affinity discounts. Long-term customers can see loyalty credits.

Easy wins: switch to paperless, pay via EFT, or pay-in-full. These small actions usually stack with other savings.

How to Maximize Your Discounts

Re-shop once a year, especially after moving or adding a driver. Ask every carrier for their discount checklist and confirm your eligibility. If you raise deductibles, only go as high as you can comfortably pay—then set aside the savings for emergencies.

Ready to compare? Get side-by-side quotes at auto insurance comparison online, then lock in your choice. For ZIP-based insights, see home insurance by state and ZIP.

Keep discounts at renewal:

• Re-check 45 days and 15 days before renewal.

• Send proof early (grades, alarm certificates, driver-ed documents).

• If rates rise, ask for a “discount audit” or re-rating with telematics/bundles.

Frequently Asked Questions About Discounts

What’s the most common discount?
Bundling auto + home or renters. It’s available almost everywhere and often saves the most.

Are discounts automatic?
Some apply automatically, but many need proof—like telematics, transcripts, or alarm certificates.

Can renters get home-related savings?
Yes. Auto + renters bundles and safety devices can bring the same benefits as homeowner discounts.

How do I keep discounts long term?
Shop annually, refresh documents, use telematics, and keep a clean driving record.