As independent insurance agents, we have access to a large number of insurance carriers.  These insurance companies offer a variety of discounts that can have a dramatic effect on your premiums.  The following list of discounts is not comprehensive, but it should hopefully give you an idea of the available discounts:

Vehicle Equipment

Air Bag

You could save up to 25% for driver-side airbags or 40% for full-front seat airbags. These discounts apply to the medical payments or personal injury portion of your car insurance premium.

Anti-Lock Brake System

Does your car have a factory-installed anti-lock braking system?  You could receive a 5% discount on the collision portion of your premium.

Anti-Theft System

Cars with a built-in anti-theft system could earn you a discount of up to 25% on the comprehensive portion of your premium.

Daytime Running Lights

Vehicles equipped with Daytime Running Lights as standard equipment could earn you a 3% discount on certain car insurance coverages.

Driving History & Habits

Five-Year Accident-Free Good Driver

Got a squeaky clean driving record? It could translate into serious car insurance discounts. If you’ve been accident-free for five years, you may be able to save up to 26% on most coverages.

Seat Belt Use

Buckle up and drive down your rate. If you and your passengers always wear seat belts, you could receive a discount of up to 15% off the medical payments or personal injury protection portion of your premium.

Driver’s Education

Defensive Driving Discounts

If you’ve completed a defensive driving course, you may be able to save even more on your premium.

Driver’s Education

If a young driver in your family has completed a driver’s education course, you may earn a discount on most coverages.

Good Student

Full-time students with a good academic record could be eligible for a 15% discount on certain coverages. (In most states, policyholders between the ages of 16 and 25, who are full-time students with a “B” average or better, are eligible for this discount.)

Customer Loyalty

Multi-Car

Insure more than one car with the same insurance company, and you could get a discount of up to 25% on most of your car insurance coverages.

Multi-Policy / Multi-Line Discount

When you insure your car through the same insurance and have a Homeowners, Renters, Condo, or Mobile Home policy, you could get a discount on your car insurance.