With car insurance rates going up, finding every possible discount has never been more important. The good news? Many drivers qualify for multiple discounts, and stacking them together can save you hundreds of dollars each year.
Jerry has helped 126,898 drivers compare car insurance quotes and find discounts they’re eligible for in the past year. This guide covers 25 important car insurance discounts and how much our customers have saved with some of the most popular ones.
Jerry pulls up to 20 quotes from top rated carriers.
Top discounts at a glance
Not all discounts work the same way. Some offer bigger savings, while others are easier to qualify for. Most can be stacked. Here are popular discounts Jerry customers have unlocked that led to meaningful savings.
Key takeaway: A clean driving record unlocks the largest discounts, but don’t overlook easy wins like autopay and paperless billing that require no extra effort.
Policy-based discounts
These discounts are based on how you structure and pay for your policy, not your driving record or type of car, and are often the easiest to qualify for.
📦 Bundling discount
Bundle multiple policies from the same insurer (typically home and car insurance) and you’ll earn a multi-policy discount. This is typically one of the best discounts available.
You can bundle a variety of policies beyond home and car, including renters, condo, motorcycle, boat, RV, umbrella and life insurance.
🚗 Multi-car discount
Insure more than one vehicle on the same policy and you’ll typically save on each car. This discount applies to any cars kept primarily at your address, including those owned by a spouse, family member or even roommate.
💳 Pay in full discount
Pay your entire premium upfront instead of monthly and you’ll often be able to save.
💻 Paperless and autopay discounts
Set up automatic payments from a bank account or go paperless with electronic documents, and many insurers reward you with small discounts.
🏠 Homeowner discount
Even if you don’t bundle your home insurance, simply owning a home can earn you a car insurance discount. Insurers view homeowners as more stable and lower-risk.
Jerry recommends: Bundling is one of the biggest discounts available. Use Jerry to compare bundled quotes from multiple insurers to make sure you’re getting the best rate.
Driver-based discounts
These discounts reward your driving behavior, record and personal characteristics.
✅ Good driver discount
Maintain a clean driving record with no accidents or violations for 3-5 years and you’ll qualify for one of the biggest discounts available.
📱 Telematics discount
Join a telematics program, like Jerry’s DriveShield, to track your driving habits. You can earn sizable discounts for safe driving and avoiding things like hard braking, speeding and phone use. When using DriveShield, we only share your drive score with insurers if it could earn you a discount.
🎓 Defensive driving course discount
Complete an approved defensive driving course and many insurers will reduce your premium.
🚙 Low mileage discount
Drive less than 7,500-10,000 miles per year and you may qualify for a low mileage discount.
⭐ Loyalty discount
Stay with the same insurer for multiple years and you may earn a loyalty discount.
Key takeaway: Your driving habits and history directly impact your rate. A clean record, practicing safe driving and remaining loyal to your insurer can all add up to major savings.
How Jerry helps you find discounts
Not all insurers offer the same discounts, and the same discount can be worth more at one company than another. Jerry compares quotes from over 50 insurers to find the best rates with all the discounts you qualify for, so you’re not leaving savings on the table.
Jerry also reshops your policy automatically when it’s time to renew, since your eligibility for discounts can change. Instead of calling multiple insurers to ask about discounts, Jerry does the work for you in minutes.
Student and young driver discounts
Young drivers face the highest insurance rates, but these discounts can significantly offset the cost.
📚 Good student discount
Full-time students under 25 who maintain at least a B average or 3.0 GPA can save.
🏫 Student away from home discount
You can usually get a discount if your college student attends school more than 100 miles from home and doesn’t bring a car. The student must still be on the family policy and not have regular access to a car while at school.
🎓 Driver’s education discount
Teen drivers who complete an approved driver’s education course may qualify for a discount. Some insurers also offer discounts for completing their own teen driving programs.
Key takeaway: High rates for young drivers don’t have to break the bank. Academic achievements and driver’s education could unlock meaningful savings.
Car-based discounts
The car you drive affects your premium, and certain features can unlock discounts.
🛡️ Safety features discount
Cars equipped with safety features like airbags, anti-lock brakes, daytime running lights and advanced collision avoidance systems often qualify for discounts.
🔒 Anti-theft device discount
Cars with factory-installed anti-theft systems, like alarms and GPS tracking, can earn discounts.
🆕 New car discount
New cars (typically 3 model years old or less) may qualify for discounts.
⚡ Electric and hybrid car discount
Some insurers offer discounts for hybrid and electric cars.
Key takeaway: Your car’s safety features, anti-theft systems and even whether it’s new or eco-friendly could earn you discounts.
Affiliation-based discounts
Your employer, membership in certain groups or military service can unlock additional savings.
🎖️ Military discount
Active duty service members, veterans, National Guard members and reservists often qualify for military discounts.
👔 Employer and group discounts
Many insurers offer discounts if you work for certain employers or belong to specific groups, alumni associations or professional organizations.
🦅 Federal employee discount
Active and retired federal employees may qualify for special discounts.
Key takeaway: Your job, military service, or group memberships could qualify you for exclusive discounts. Ask your insurer what affiliations they reward.
How to maximize your discounts
Getting discounts is one thing, but keeping them and actively finding new ones is another. Here’s how to make sure you’re always paying the least for your coverage.
🔄 Review discounts annually. Your eligibility for discounts can change. Review your policy at each renewal to make sure you’re getting every discount you qualify for. Jerry can automatically shop for policies with new discounts when yours is up for renewal.
🔄 Reshop when your life changes. Major life events like getting married, buying a home, having a child leave for college or retiring can all affect your rates and discount eligibility.
🗣️ Ask, don’t assume. Many insurers don’t apply discounts automatically. When you get a quote or renew your policy, ask your insurance company specifically what discounts have been applied and which others you might qualify for.
📁 Keep your documentation ready. Discounts for good students, defensive driving courses and professional affiliations often require proof. Keep transcripts, certificates and membership cards accessible so you can provide them quickly.
📊 Update your mileage. If your driving habits have changed, like working from home, retiring or switching to public transit, let your insurer know. You may now qualify for a low mileage discount you didn’t before.
Jerry recommends: Different insurers offer different discounts. What qualifies for a discount at one company might not at another, so shop around with Jerry to compare quotes and find savings.
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faq
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⚙️ Are discounts automatically applied?
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➕ Can I stack multiple discounts?
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🎓 Do I need to prove I’m a good student?
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📦 Is bundling always the best deal?
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✅ What’s the easiest discount to get?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
