Auto Insurance Discounts for Multiple Types of Insurance

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Here's what you need to know...

  • Car insurance companies offer a special type of discount known as a multi-policy discount, multi-line discount, or bundle discount to policyholders that have more than one type of insurance with that company
  • Discounts on car insurance are usually divided into five categories including vehicle safety features and driver’s education
  • One of the most common car insurance discounts is the good student discount which applies to any driver taking classes and maintaining a 3.0 GPA

Insurance providers are happy to provide their customers with more than one insurance policy, and be a policyholder’s “go-to” company for their insurance needs, since this makes them more money, and increases customer loyalty.

Start your search for the lowest insurance by comparing car insurance rates with our FREE online tool!

Categories of Car Insurance Discounts

Test Taking_81795837-1600x1600

Car insurance discounts are typically divided into five different categories.

– Driver’s Education

Driver’s education discounts are offered to drivers that have taken special driving courses like defensive driving or drivers education, or if the policyholder is a student and wants to be eligible for a good student discount.

– Driving History and Habits

Driving history and habits is the category where a deductible rewards program would be classified, since most deductible rewards programs are offered for those with a driving history free of accidents.

The driver’s history and habits category is mainly for the good driver discount, which can also be known as an accident-free discount.

– Customer Loyalty

Customer loyalty discounts are for policyholders that have been with the insurance provider for a long period of time or a policyholder that has many different types of policies with the same company.

– Driver Affiliations

The driver’s affiliations category takes into account what organization or profession the policyholder is involved with, such as the military, an auto club, or other group affiliation.

– Vehicle Equipment

Depending on the type of vehicle you may qualify for discounts. For instance, hybrid cars may receive lower rates than a gas guzzler. Or if you vehicle has certain safety features you could see discounts.

Most Common Car Insurance Discounts

If the policyholder has a newer car, he will most likely be eligible for multiple vehicle equipment discounts.

These discounts include:

  • An airbag discount
  • An anti-lock brake discount
  • An anti-theft system discount
  • A daytime running lights discount

A car with just driver-side airbags can be eligible for as much as a 25 percent discount, while a car with driver and passenger side airbags can be eligible for as much as 40 percent. Some companies also require side airbags to be eligible for the higher percentage discount.

While most cars made in the past 20 years have either driver-side airbags or both driver- and passenger-side airbags, side airbags tend to come in much newer cars.

An accident-free discount, which is also commonly known as a good driver discount, can offer as much as a 26 percent discount. Some companies offer a deductible rewards program as well.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

A deductible rewards program means the policyholder has to have their car insurance policy for a certain amount of time and then go a certain amount of years without having an accident.

Once reaching this time requirement, the policyholder’s deductible will be reduced by a certain amount, usually $100, for every year the driver goes without having an accident.

Some car insurance companies offer a discount of up to 15 percent to drivers that always wear a seatbelt.

This discount usually applies to medical payments coverage or personal injury protection coverage.

Driver’s education discounts offer great discounts to younger drivers who usually cost a lot more to insure. Teenagers are the most expensive age group to insure since they are inexperienced drivers.

If the teen takes a driver’s education course, which is available through most high schools, and passes it, they could be eligible for a discount.

A good student discount offers up to a 15 percent discount for young drivers. To be eligible for this discount, the student usually has to be a full-time student ages 16 to 25 and has to have at least a 3.0 grade point average.

What is a multiple policy discount?


Multi-car, multi-line, and renewal discounts are all offered to the most loyal car insurance policyholders.

A policyholder can earn a discount of up to 25 percent when they insure more than one car with the same car insurance company.

The policyholder can earn just as much of a discount if they have more than one type of insurance policy with the same company. Usually, this discount is given to a policyholder that has both their car and home insurance with the same company.

A renewal discount up to 30 percent is given to policyholders that choose to stay with the same insurance provider.

Enter your ZIP code below now to compare car insurance rates where you live!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption