Ways to pay less for car insurance

Some savings you ask for, some you opt into, and some come from changing the policy itself. Each page says who qualifies and when the saving isn't worth it.

Discounts to ask for

Credits most insurers offer, what they usually require and where a state makes one mandatory.

Multi-policy, updated Oct 26, 2026 Bundling home and auto Wisconsin's regulator puts the package discount at up to 15%. Why a bundle can still cost more than two policies.
Clean record, updated Oct 26, 2026 Safe driver discounts California's Good Driver rates must be at least 20% lower. What qualifies and what can cost you the discount.
Young drivers, updated Oct 26, 2026 Good student discount Wisconsin's regulator says it typically runs 10% to 20% for a B average. Georgia requires one by law.
Driving course, updated Oct 26, 2026 Defensive driving course discount At least 10% in Minnesota for drivers 55+, 10% in Delaware at any age. State rules, how long it lasts, how to claim.
Equipment, updated Oct 26, 2026 Safety and anti-theft discounts New York requires 5 equipment discounts and Kentucky one on comprehensive. What counts and what it is worth.
Memberships, updated Oct 26, 2026 Group and affinity discounts South Carolina group policies must cost at least 5% less; Louisiana gives service members 25% off liability.

Pricing that follows how you drive

Telematics and pay-per-mile plans: who comes out ahead and what data they collect.

Changes to your policy and bill

Deductibles, optional coverages and how you pay.