What discounts does AIS Insurance offer?

AIS Car Insurance Discounts are available for residents of California. The AIS Car Insurance Company works closely with Mercury Insurance. Our AIS car insurance discounts list covers popular discounts like Multiple Policies and Bundling Insurance Products. To compare your AIS insurance quotes against other local companies in CA, enter your zip code below.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 30, 2021

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Here's what you need to know...

  • Auto Insurance Specialists (AIS), is owned by the Mercury Casualty Company, headquartered in San Diego
  • AIS is an insurance brokerage company
  • Unlike many other auto insurance quote comparison companies, AIS has multiple physical locations
  • Quotes include coverage prices for health, life, and property insurance in addition to car insurance

The AIS Car Insurance Company works with California-based drivers to find them low-price car insurance coverage. AIS also offers help finding a wide variety of additional insurance products, from business insurance to homeowners insurance.

Find the lowest car insurance quotes around by submitting your ZIP code in the box above!

When an online application is submitted, AIS uses the data to select the lowest rates from its list of partner insurers. Let’s take a closer look at how AIS works and how you can get insurance quotes for the coverage you need.

How can you get online auto insurance quotes from Auto Insurance Specialists?

The online car insurance rate comparison application via the AIS Car Insurance Company website is short.

After supplying the company with your email address, you will be asked for your phone number, name, gender, marital status, and other pertinent information about the vehicles you want to insure.

Because AIS Car Insurance is an insurance brokerage, customers are required to pay a small fee for its services.

Although you will be able to get rates online, a representative from AIS Car Insurance will contact you with more details. If you decide to purchase a policy through the AIS Car Insurance Company, your premiums will have to be paid through the company’s website.

However, what you get with AIS is more than just quotes. The company’s insurance agents will walk you through your coverage options, from liability insurance to uninsured motorist coverage, to help you figure out exactly what you need. They will then walk you through the insurance carriers that offer what you need for a price you can afford.

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What other kinds of quotes can you get with Auto Insurance Specialists?

AIS will help you compare prices from multiple auto insurance companies in your area, but you can also get quotes for other types of insurance. Whether you’re a business owner or you’re ready to take to the road in your brand new RV, AIS wants to get you the best insurance deals possible.

Quotes are offered for the following types of insurance:

  • Business insurance
  • Homeowners insurance
  • Renters insurance
  • Umbrella insurance
  • Rideshare insurance
  • Life insurance

This is just a small sampling of the many specific policies AIS’s independent insurance agents can help you shop for.

How do you qualify for AIS car insurance discounts?

In order to get a discount on an auto insurance policy purchased via the AIS Car Insurance Company, you will first need to be a resident of the state of California. AIS works personally with its clients, therefore only California residents can get coverage.

Since the online auto insurance quote application has only a few questions, you will need to give your AIS Car Insurance Company representative more detailed information to qualify for discounts.

California state law requires motorists to purchase a minimum of $15,000 personal injury coverage. You don’t have to purchase comprehensive coverage; however, you need to keep a valid copy of your insurance card on hand at all times.

Because AIS Car Insurance is licensed to sell insurance products in California, you can be certain that you will only be offered products that meet state requirements.

How can you get a discount of purchasing multiple policies from AIS?

Auto Insurance Specialists gives California-based consumers the ability to compare rates on many different types of insurance.

When a bundled insurance policy is purchased, the policyholder can save even more. If you are a homeowner, own a classic car, or plan on getting married in the near future, you can get a discount just by purchasing your policies from the same company.

The AIS Car Insurance Company works closely with Mercury Insurance.

If you do buy a car insurance policy with AIS Car Insurance, you will be able to get the assistance of your insurance broker when you want to submit a claim or make changes to your account.

If you want to purchase a new policy in addition to your existing coverage, you can get a better rate by using AIS Car Insurance.

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Car Insurance Discounts Available with AIS Car Insurance

When California motorists submit car insurance quote applications through AIS Car Insurance, they quickly find out how much money they can save.

A more in-depth analysis is done when consumers call for more information or when an insurance agent follows up on an online application. This is the point at which you will find out for which discounts you can qualify.

If you own several vehicles, it is likely that you will get a multiple car discount.

Bundling insurance products with the AIS Car Insurance Company also comes with benefits, but you need to make sure that the quote that you receive is beneficial.

If your quoted AIS Car Insurance Company auto insurance is higher than ones that you have received from other companies, bundling may not be your best option.

What criteria is used by AIS to calculate insurance rates?

If you have received a quote from the AIS Car Insurance Company, you might be wondering how your rates were calculated.

Factors such as your marital status, gender, and driving record are analyzed according to presets supplied by the participating insurance providers. This is why you may have gotten a much higher quote with one particular company and moderately low quotes from several others.

Remember that the online quote that you get from AIS Car Insurance is only a general figure.

Until you speak to someone from the company, you will not know if you have indeed received the lowest rates or not.

What’s the bottom line?

There are a variety of comparison tools for insurance quotes available online, including right here on this very website. If you have the time, use a few of them and see where you find the lowest rate.

Get online car insurance rates now. Simply type your ZIP code into the box below to begin!


  1. https://www.mercuryinsurance.com/
  2. https://www.aisinsurance.com/products/life-and-other/overview.aspx
  3. https://www.ca.gov/About/Government/State/LawsAndRegs.html
  4. https://www.aisinsurance.com/
  5. https://www.aisinsurance.com/resources/discounts.aspx

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