On-Time Payments Car Insurance Discount

Taking advantage of on-time payments car insurance discounts is one way you can save money on car insurance. Although only four major insurance providers offer discounts for on-time car insurance payments, there are numerous other types of discounts you may qualify for, including anti-theft and newer vehicle discounts.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Sep 23, 2021

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Here's What You Need to Know

  • Making your car insurance payments on-time may lead to discounted premiums
  • Only four major insurance companies currently provide this type of discount
  • Review your policy options to determine what other discounts you may qualify for

Fiscal responsibility is a positive life habit in the same category as regular exercise, healthy eating, and getting enough sleep. It can even pay off in the form of on-time payments car insurance discounts.

This article will outline the preconditions you have to meet to receive an on-time payments auto insurance discount, and also cover other types of discounts you may want to look into.

If you think you might qualify for an on-time payments car insurance discount, or simply wish to review your policy options, then enter your ZIP code into our free search tool for a list of quotes from nearby insurance providers.

How can I get an on-time payments car insurance discount?

On-time payments discounts are fairly self-explanatory: if you consistently pay your premium on time throughout a specified time period, you may qualify for this particular discount.

Look over the following table for a list of major auto insurance companies that offer on-time payments discounts:

Car Insurance Companies with On-Time Payments Discounts
Insurance CompanyOn-Time Payments Discount
21st CenturyN
American FamilyN
Country FinancialN
Liberty MutualN
State FarmN
The GeneralN
The HanoverN
The HartfordY
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As you can see, this is a rare type of discount, available only at a handful of major insurance providers.

If you hold a car insurance policy with one of these select companies, you may want to find out how you can get lower car insurance rates with an on-time payments discount.

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What are other auto insurance discounts to ask for?

In addition to on-time payments discounts, there are plenty of other car insurance discounts to ask for. Scan the table below to see which discounts you might qualify for:

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
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Auto insurance payment discounts are a great way to save money without sacrificing comprehensive coverage, but there is more than one way to save money on car insurance. The easiest way is to shop around for free car insurance quotes online and find the company offering the best rates.

On-Time Car Insurance Payments Discount

Saving money is always a positive, and reducing your auto insurance payments via discounted premiums is one way to do so.

Finding the right car insurance policy is even easier. Enter your ZIP code into our free search tool below to find affordable car insurance companies with on-time payments discounts near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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