Insurance Discounts

 

Auto Insurance Discounts

 

A) Good Driver Discount

Proposition 103, provides a 20% discount on the premium for all coverage lines for "Good Drivers." In
most cases, an individual qualifies as a Good Driver if he/she:

  • Has not received a ticket (moving violation) in last 36 months
  • Has no more than one accident with no bodily injury.


B) Good Student Discount
Students who have attained a grade point average (GPA) of at least 3.0 are eligible for a discount of up
to 25%. Acceptable certification of full-time student status and grade point average must be submitted
in order to qualify for the discount.

C) Mature Driver Discount
Drivers age 55 or over who successfully complete a Mature Driver Improvement Course approved by
the California Department of Motor Vehicles may be eligible for a discount of up to 5% on all lines of
coverage carried on the vehicle(s) they primarily operate. Certificate of completion from an approved
course provider must be submitted in order to qualify for the discount.

D) Multi-Car Discount
If you have more than one vehicle insured on the policy, depending on the insurance carrier, most companies offer discounts of up to 5%.

E) Multi-Policy Discount
This discount is automatically applied to all lines of coverage on an auto insurance policy when the
insured also has an existing homeowners, condo owners, renters, watercraft, life or umbrella insurance
policy. For some it is possible to get anywhere from 15% to 20% discount combined, depending on the compa.

F) Driver Education Discounts
If a young driver in your family has completed a driver’s education course, you may be eligible for a
discount with many carriers.

G) Vehicle Discounts
You may be eligible for additional discounts on vehicle features. Some of the features are:

  • Anti Theft Devices such as alarms, wheel locks, VIN etching
  • Vehicle Recovery & Vehicle Tracking Systems
  • Airbags
  • Anti-Lock Brakes
  • Crash Resistant Doors
  • Electronic Stability (EBS)
  • Daytime Running Lights


H) Loyalty Discounts
Some companies can offer you discounts for staying with the same carrier for multiple years. These are
usually called loyalty discounts and are only offered by some carriers.

I) Group & Affiliation Discounts
Many Insurance companies will offer discounts based on your profession. Examples of this are

  • Doctors, Dentists, Physicians & Surgeons
  • Veterinarians
  • Physical & Occupational Therapists
  • Accountants
  • Scientists (Masters Degree)
  • Educators
  • Civil Employees
  • Aviation Professionals
  • Librarians
  • Fire Fighters & Police Officers
  • Registered Nurses
  • Military personnel
  • And More!

Home & Condominium Insurance Discounts

A) Multi-Policy Discount
This discount is automatically applied to all lines of coverage on a home insurance policy when
the insured also has an existing auto, watercraft, additional home, life or umbrella insurance policy.
You can get anywhere from 15% to 20% on combined discounts, depending on the company.

B) Property Discounts
You may be eligible for additional discounts on the features of your home. Some features include:

  • Gated Community Discount
  • Having a Local Burglar & Fire Alarm
  • Having a Central Station Burglar & Fire Alarm Alarm
  • Being Claim Free
  • Having a newer or newly constructed home
  • Fire Sprinkler Discounts
  • Recent Renovation Discount
  • Automatic Gas Shut off Valve Discount
  • EPA Certified Home
  • Fortified Home & Leed Certified Homes


C) Loyalty Discount
Select carries offer loyalty discounts for staying with the same carrier for multiple years. 

D) Group & Affiliation Discounts
Many Insurance companies offer discounts based on your profession. For example:

  • Doctors, Dentists, Physicians & Surgeons
  • Veterinarians
  • Physical & Occupational Therapists
  • Accountants
  • Scientists (Masters Degree)
  • Educators
  • Civil Employees
  • Aviation Professionals
  • Librarians
  • Fire Fighters & Police Officers
  • Registered Nurses
  • Military personnel
  • And More!

Commercial Insurance Discounts
 

Multi-Policy Discount
You may be eligible for multi-policy discounts for commercial policies with particular insurance
companies. For example, having a Workers Compensation Policy & a BOP Policy may result in a discount
of as much as 10%. Other examples include Commercial Umbrella & EPLI.


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