What is a Family Legacy discount?

Family legacy discounts may reduce full coverage car insurance rates by $11.90/mo for policyholders who have a family history of doing business with their provider.

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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: Jan 21, 2021

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Here's what you need to know...

  • You may be able to save money on car insurance through a family legacy discount
  • While a family discount is a relatively rare discount only available through some car insurance companies, providers that offer it have varying requirements for it
  • This is just one of many car insurance discounts that can help you to save money on the most protective coverage available to you
  • Family legacy discounts may reduce car insurance rates by up to 10%

Many individuals will shop around periodically to compare insurance rates and to update their auto insurance coverage. Others, however, have been loyal to the same company for years, and they may have a family history of showing loyalty to a specific company as well.

Once you find a reputable, trusted auto insurance company to rely on, it makes sense that you would not want to rock the boat and transfer insurance to another provider only to potentially save a few dollars per month.

Some auto insurance companies even reward you financially for showing loyalty to their company over the years. 

A family legacy discount is one of the ways that some companies reward a long-standing or generational loyalty to them, and you may be able to save a substantial amount of money on your car insurance if you qualify for this type of discount.

However, you should avoid making your coverage decision based solely on your qualification of this discount through a specific provider.

Get an idea of how much you could save on car insurance by switching providers. Enter your zip code into our free rate comparison tool above to get started.

Understanding the Family Legacy Discount


Before you make the decision to use the family legacy discount to save money on car insurance, you should understand what it is and how it works. Essentially, this is a unique car insurance discount that is only available through a couple of providers.

It results in financial savings on your premium if your family has a history of doing business with that provider or meets other specific qualifications and requirements.

Different Qualifications for the Family Legacy Discount

As is the case with many types of auto insurance discounts, there are numerous qualifications that you may need to meet to get the family legacy discount and these factors vary by provider.

For example, some insurance companies only require you to have one or more relatives insured by them in order to qualify for savings.

Others, such as insurance companies, that are restricted to serving active and retired military professionals, may require you or your family members to have served honorably.

Remember that the family legacy discount may apply to you because of your parents’ loyalty to a specific company, but the discount may also apply to your children when they start driving.

Your family could potentially benefit financially for years to come when you establish a relationship with the right provider today or when you work with a provider who your family members are currently using for auto insurance.

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Finding a Provider That Offers a Family Legacy Discount

Nobody wants to pay more than necessary for an auto insurance premium, but you may not know how to start searching for providers that offer this legacy.

A good starting point is to talk to your family members about who they use for auto insurance, and you may learn that you have immediate access to this type of discount. Otherwise, you may need to use the Internet to begin exploring your options.

Any car insurance provider that you reach out to should have a solid reputation in the industry and should be financially secure.

Even if a company offers a legacy discount, you should steer clear of getting coverage from it if it does not meet these specific requirements.

Therefore, you should spend time learning more about providers before analyzing savings from a family legacy discount and other discounts that you may qualify for.

Remember that a family legacy discount may be a great way to save money on car insurance, but the mere availability of this discount should not be the sole reason why you choose to buy coverage from one provider over another way.

You should carefully review the coverage options as well as the qualifications of different providers before you decide which auto coverage to purchase.

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Determining other Ways Loyalty Can Save You Money

Beyond qualifying for a family legacy discount, some car insurance companies also honor or compensate you for your loyalty in different ways. For example, if you cannot find a family legacy discount, consider looking for discounts related to:

  • Renewing your policy
  • Being loyal to the same policy for a specified number of years
  • A vanishing deductible

These are only a few of the many factors that can help you to save money on car insurance. Beyond loyalty and family legacy, you may qualify for many other money-saving discounts available through a wide range of providers. A few of these discounts include:

  • A good driving record discount
  • A discount for safety features in your vehicle
  • A low mileage discount
  • A discount for getting good grades as a full-time student
  • A senior citizen discount

The Importance of Buying the Right Coverage for Your Needs

Auto insurance is a legal requirement in most areas, and you definitely need to purchase a minimum amount of coverage required by law in your state.

Typically, this is liability insurance, but your state may have additional requirements as well as coverage limits that you must comply with.

Many drivers also must obtain either collision or comprehensive insurance as a requirement issued by their car loan company.

Without the minimum required coverage, you may be subject to legal fines and penalties, and you may be in default on the terms of your car loan. More than that, you run the risk of having to pay for all of your expenses out of your own pocket.

Using car insurance discounts is a great way to obtain all of the auto coverage that you need while keeping the expenses as low as possible.

Exploring other Factors that Affect the Cost of Auto Insurance

Your coverage types and limits and your car insurance discounts are only a few of the many factors that will affect the cost of your auto insurance.

For example, how your insurance company views your driving record and the accident statistics on your vehicle are also taken into account when you apply for new coverage.

Because the rates and discounts available vary from provider to provider and because each provider looks at different factors in a unique way, it makes sense to shop around and compare insurance rates thoroughly before you decide which policy to purchase.

Shop around today by entering your zip code below and finding the best rate for the coverage you need.

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