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Auto Insurance Discounts Explained
Driver Related Discounts:
Consumer United Group Discount (for New Jersey Residents)
As a consumer group, we have negotiated a 5% group discount on auto insurance with High Point, our insurance partner in New Jersey. If you are a resident of New Jersey, call us today to receive your discounted personalized quote.
Affinity Group Discounts
If you are a member of a cultural group, employee association, or service organization, you may be eligible for a group discount through various partnership programs. To find out if you qualify, contact the person who manages your group or organization to see if you have any discounts with insurance companies.
Active Duty Military or Returning Military Discount
Many insurance companies give a discount for active or returning military personnel who may have experienced a lapse in coverage due to active duty or deployment. Call Consumer United today to receive a personalized quote with the military discount you deserve.
Multi-Policy Discount
Most insurance companies offer a significant discount to customers who purchase multiple policies from the same carrier. By having more than one policy with the same company, you not only save money but you also get the convenience of dealing with just one representative or agent who better understands your needs.
Defensive Driver Discount
A defensive driving course is a state approved educational course that educates drivers about traffic laws and safety. Upon completing the course, drivers earn a certificate of completion that can be submitted to insurance companies for an additional discount. Most courses are conducted online and will discount your policy for up to three years.
Good Student Discount
Many insurance companies reward younger drivers who perform well in school because statistically they are less likely to get into an accident or file a claim. If you are under age 25, single, and enrolled as a full-time student, your good grades may very well qualify you for a significant discount.
Good Driver/Accident & Violation Free Discounts
Drivers who have perfect driving records (no accidents or violations) over the course of a set number of years (usually between 3 and 5 years) typically qualify for significant discounts. Not sure how long its been since your last accident or ticket? Call us for a quote today and we can review your driving history and apply all necessary discounts to your quote.
Public Transportation Discount
If you take public transportation to work each day, you may qualify for a discount because you are driving much less frequently. It is a good idea to save receipts for your transportation passes over the course of a year to document your use of public transit.
Home Ownership Discount
Did you know that just by owning a home, you may qualify for a discount on your auto insurance, regardless of who insure your home with? If you are a home owner, call us today to speak with an insurance professional who will review your current coverages and make sure that you are getting the most out of your insurance policies.
Long-term Policyholder/Loyalty Discounts
Although it is important to shop around for insurance regularly to make sure you are still getting the best rate, staying with the same company for a number of years has its benefits. Most insurance companies will offer you a customer loyalty discount for renewing your policy with them for several years in a row.
Vehicle Related Discounts:
Low Mileage Discount
Like the public transportation discount, the low mileage discount reduces your rate for driving less frequently. The less often you drive your vehicle, the less likely it is that you will have an accident or file a claim.
Passive Restraint
The more safety features your vehicle has installed, such as airbags or automatic seatbelts, you may qualify for a discount applied to your collision and comprehensive coverages. If you're not sure about your vehicle's standard safety features, give us a call with your vehicle identification number (VIN) for an accurate quote.
Anti-Lock Brakes
If your vehicle has anti-lock or ABS (automatic braking system) brakes that are factory installed, you may qualify for an additional reduction of your premium.
Anti-Theft Device Discount
Anti-theft devices help protect your vehicle from being stolen or vandalized, thus reducing the chance that you will have to file a comprehensive claim. Even having a panic button on your keychain can qualify you for a discount, so call us today for your discounted quote.
Vehicle Recovery System
Vehicle recovery systems such as OnStar or LoJack help to drastically reduce the chance that your vehicle will be stolen and help law enforcement locate your vehicle if it is. These devices generally give you a better discount than a standard alarm system because they can disable your vehicle from being driven in the event of theft.
New Vehicle Discount
Purchasing a brand-new, never owned vehicle may qualify you for a discounted rate or an optional line of coverage available only to new vehicles, such as new car replacement coverage.
Multiple Vehicle Discount
By insuring more than one vehicle on the same policy, you can expect to receive a discount. This is especially helpful for families who have multiple drivers and vehicles.
Garage-Parked Discount
Keeping your vehicle parked in a garage, driveway, or car port instead of parking on the street could save you money on your premium. Storing your vehicle in a garage reduces the chance that it will be hit by another driver or receive weather-related damage.
Payment Related Discounts:
Pay in Full Discount
Paying your total premium in full at the start of your policy is one of the easiest and most convenient ways to pay for your policy and typically qualifies you for a significant discount. Paying in full offers you peace of mind because you don't have to worry about missing a bill or getting canceled for non-payment.
Advance Shopper Discount
Like other industries such as the airline industry, the earlier you purchase insurance before the policy's effective date the more money you can save. Shop around early before your renewal date and get rewarded with a significant discount.
Electronic Funds Transfer (EFT) Discount
By enrolling in an electronic funds transfer (EFT) payment plan, you may qualify to an additional discount on your insurance premium. EFT payment plans are scheduled to automatically be charged to a checking or savings account, so you avoid paying service fees and minimize the risk of being canceled for non-payment.
E-signature Discount
More insurance companies are encouraging customers to process paperwork online because it saves time, money, and paper. Some companies will even give you a discount on your policy for signing your insurance documents electronically instead of waiting for them to arrive by mail. Electronic signature processing is secure, easy to use, and allows you to receive your insurance documents much faster.
Consumer United Group Discount (for New Jersey Residents)
As a consumer group, we have negotiated a 5% group discount on auto insurance with High Point, our insurance partner in New Jersey. If you are a resident of New Jersey, call us today to receive your discounted personalized quote.
Affinity Group Discounts
If you are a member of a cultural group, employee association, or service organization, you may be eligible for a group discount through various partnership programs. To find out if you qualify, contact the person who manages your group or organization to see if you have any discounts with insurance companies.
Active Duty Military or Returning Military Discount
Many insurance companies give a discount for active or returning military personnel who may have experienced a lapse in coverage due to active duty or deployment. Call Consumer United today to receive a personalized quote with the military discount you deserve.
Multi-Policy Discount
Most insurance companies offer a significant discount to customers who purchase multiple policies from the same carrier. By having more than one policy with the same company, you not only save money but you also get the convenience of dealing with just one representative or agent who better understands your needs.
Defensive Driver Discount
A defensive driving course is a state approved educational course that educates drivers about traffic laws and safety. Upon completing the course, drivers earn a certificate of completion that can be submitted to insurance companies for an additional discount. Most courses are conducted online and will discount your policy for up to three years.
Good Student Discount
Many insurance companies reward younger drivers who perform well in school because statistically they are less likely to get into an accident or file a claim. If you are under age 25, single, and enrolled as a full-time student, your good grades may very well qualify you for a significant discount.
Good Driver/Accident & Violation Free Discounts
Drivers who have perfect driving records (no accidents or violations) over the course of a set number of years (usually between 3 and 5 years) typically qualify for significant discounts. Not sure how long its been since your last accident or ticket? Call us for a quote today and we can review your driving history and apply all necessary discounts to your quote.
Public Transportation Discount
If you take public transportation to work each day, you may qualify for a discount because you are driving much less frequently. It is a good idea to save receipts for your transportation passes over the course of a year to document your use of public transit.
Home Ownership Discount
Did you know that just by owning a home, you may qualify for a discount on your auto insurance, regardless of who insure your home with? If you are a home owner, call us today to speak with an insurance professional who will review your current coverages and make sure that you are getting the most out of your insurance policies.
Long-term Policyholder/Loyalty Discounts
Although it is important to shop around for insurance regularly to make sure you are still getting the best rate, staying with the same company for a number of years has its benefits. Most insurance companies will offer you a customer loyalty discount for renewing your policy with them for several years in a row.
Vehicle Related Discounts:
Low Mileage Discount
Like the public transportation discount, the low mileage discount reduces your rate for driving less frequently. The less often you drive your vehicle, the less likely it is that you will have an accident or file a claim.
Passive Restraint
The more safety features your vehicle has installed, such as airbags or automatic seatbelts, you may qualify for a discount applied to your collision and comprehensive coverages. If you're not sure about your vehicle's standard safety features, give us a call with your vehicle identification number (VIN) for an accurate quote.
Anti-Lock Brakes
If your vehicle has anti-lock or ABS (automatic braking system) brakes that are factory installed, you may qualify for an additional reduction of your premium.
Anti-Theft Device Discount
Anti-theft devices help protect your vehicle from being stolen or vandalized, thus reducing the chance that you will have to file a comprehensive claim. Even having a panic button on your keychain can qualify you for a discount, so call us today for your discounted quote.
Vehicle Recovery System
Vehicle recovery systems such as OnStar or LoJack help to drastically reduce the chance that your vehicle will be stolen and help law enforcement locate your vehicle if it is. These devices generally give you a better discount than a standard alarm system because they can disable your vehicle from being driven in the event of theft.
New Vehicle Discount
Purchasing a brand-new, never owned vehicle may qualify you for a discounted rate or an optional line of coverage available only to new vehicles, such as new car replacement coverage.
Multiple Vehicle Discount
By insuring more than one vehicle on the same policy, you can expect to receive a discount. This is especially helpful for families who have multiple drivers and vehicles.
Garage-Parked Discount
Keeping your vehicle parked in a garage, driveway, or car port instead of parking on the street could save you money on your premium. Storing your vehicle in a garage reduces the chance that it will be hit by another driver or receive weather-related damage.
Payment Related Discounts:
Pay in Full Discount
Paying your total premium in full at the start of your policy is one of the easiest and most convenient ways to pay for your policy and typically qualifies you for a significant discount. Paying in full offers you peace of mind because you don't have to worry about missing a bill or getting canceled for non-payment.
Advance Shopper Discount
Like other industries such as the airline industry, the earlier you purchase insurance before the policy's effective date the more money you can save. Shop around early before your renewal date and get rewarded with a significant discount.
Electronic Funds Transfer (EFT) Discount
By enrolling in an electronic funds transfer (EFT) payment plan, you may qualify to an additional discount on your insurance premium. EFT payment plans are scheduled to automatically be charged to a checking or savings account, so you avoid paying service fees and minimize the risk of being canceled for non-payment.
E-signature Discount
More insurance companies are encouraging customers to process paperwork online because it saves time, money, and paper. Some companies will even give you a discount on your policy for signing your insurance documents electronically instead of waiting for them to arrive by mail. Electronic signature processing is secure, easy to use, and allows you to receive your insurance documents much faster.
Consumer United agents don’t get rewarded when your policy costs more. They’ll work to find every discount you qualify for.
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