How to Get Car Insurance Discounts the Easy Way
Most car insurance companies like to advertise that discounts are available to their customers to help lower premiums. But it’s not always clear how they work, how to get them applied to your policy, or what discounts are available.
Clearcover Insurance Company is changing that. We make it effortless to get most discounts applied to your car insurance policy automatically when you get a quote.
In this article, you’ll learn:
How to get car insurance discounts
How car insurance discounts work to lower your premiums
Why there are eligibility requirements for auto insurance discounts
Types of car insurance discounts insurance companies use
A list of auto insurance discounts that are available to Clearcover customers
How Clearcover uses the power of technology to automatically apply eligible discounts to your policy—making it easy to get discounts you qualify for
How to get car insurance discounts
Before we dive into the details of auto insurance discounts, let’s talk about how to get them applied to your insurance policy in the first place.
Discounts are one of the easiest ways to save money, no matter what you’re purchasing—and your car insurance is no different. However, the process of how you qualify for car insurance discounts and get them applied to your policy depends on your insurance company, and it sometimes can require some extra effort on your part.
There are three primary ways to get car insurance discounts:
Call your insurance company’s customer service line and speak to a representative. There, you can ask what discounts you’re receiving already (if any) and what additional discounts may be available to you.
Contact your insurance agent directly to determine the discounts you’re getting now, what discounts you could be getting with your current company (or if your insurance agent is an independent agent, what discounts are available through other companies), and then update your policy if needed.
Get any car insurance discounts you’re eligible for automatically added to your policy—without additional actions on your end. Clearcover does this for most discounts when you get a quote.
If your car insurance company can be confusing to work with, do a bit of research for any car insurance discounts that might be available in your state before you contact them. That way, you know what questions to ask. (Or switch to Clearcover. We make switching car insurance hassle-free and getting car insurance discounts even easier.)
Learn how to switch your car insurance company in four simple steps.
Here’s How Car Insurance Discounts Work to Lower Your Premiums
To understand how discounts work to lower your car insurance costs, let’s back up and look at the bigger picture. Car insurance is all about risk—both for you and your insurance company.
Your auto insurance policy works on your behalf to lower financial risks for you if you’re in an accident, and your insurance company works to determine risk on their end, too. That’s why your car insurance costs are unique to your situation and coverage needs. Learn more about how car insurance pricing works.
Car insurance discounts are based on a few factors, including:
Your driving habits
The safety features of your vehicle
Your commitment to safety
All of these factors may help reduce your risk of accidents, and can help reduce the risk that your auto insurance company takes on when issuing you a policy. This reduced risk works to lower the costs for both your insurance company and you.
Ultimately, discounts can be earned and applied to your policy when certain rules or criteria are met that reduce risk. These qualifications are usually called eligibility requirements.
But why do you have to qualify for a discount?
(Remember: Clearcover automatically applies most eligible discounts you qualify for to your policy when you get a quote. That’s the power of digital car insurance.)
Why are there eligibility requirements for car insurance discounts?
Discounts aren’t simply given if you ask for them—they’re earned when you meet eligibility requirements. That’s why you may not qualify for every discount that’s available through your insurance company.
Eligibility requirements can be quite specific—and requirements for each discount can vary by state, vehicle age, car insurance company, and more.
But, as mentioned above, meeting eligibility requirements for car insurance discounts are what can help reduce your risks of accidents and save both you and your insurance company money. Car insurance discounts are a win-win situation for you and your insurer, which is why Clearcover automatically applies most discounts that you’re eligible for to your policy when you get a quote.
(No need to research or negotiate. We’ll apply most discounts that you’re eligible for outright.)
Types of Car Insurance Discounts Insurance Companies Use
Before we dive into the details of individual discounts, let’s cover the basic types of auto insurance discounts available. Car insurance discounts fall into five main groups:
Car insurance discounts based on your insurance policy or policies.
What they are: Discounts based on bundling, having multiple drivers or cars on your policy, being continuously insured, paying annually instead of monthly, and more.Safety-related car insurance discounts.
What they are: Discounts based on factors such as additional driver education, committing to safety requirements, and being free of accidents.Vehicle-related car insurance discounts.
What they are: Discounts for vehicles on your policy that are new or have certain factory-installed safety features, such as anti-lock brakes, an anti-theft system, or a passive restraint system.Driver-related car insurance discounts.
What they are: Discounts based on you or drivers on your policy and their history, including good student discounts, military or deployed drivers, and more.Discounts for how you use your car.
What they are: Discounts based on your driving habits and how often you drive, usually involving a monitoring feature or device from your insurance company.
For a complete list of car insurance discounts, check with your auto insurance agent or browse the ones available to Clearcover customers across the country below.
List of Car Insurance Discounts Available Through Clearcover Across the U.S.
Your car insurance should be easy to understand and simple to manage—and that includes understanding what car insurance discounts are available and how to get the ones you may be eligible for.
Ready to take a closer look? Below is a list of car insurance discounts available to Clearcover customers, but availability and eligibility may vary depending on what state you live in. (Bonus: Clearcover has additional discounts that are state-specific as well!)
Important note: As mentioned above, specific rules determine your discount eligibility. Your eligibility cannot be determined based on the descriptions provided of discounts below.
Good Driver Discount: Consider yourself an excellent driver with a sparkling driving history? This discount might be just for you! It’s available to drivers who meet certain driving history and age requirements.
Seat Belt Discount: This discount is offered to drivers who commit to seat-belt wearing—for themselves and their passengers—at all times in any vehicle.
Paid-in-Full Discount: This discount is for those who are big fans of paying premiums upfront. Pay your biannual premium in full, and you could qualify. (And that leaves you with one less monthly payment to manage! Go you!)
Multi-Vehicle Discount: If you’re insuring more than one vehicle with us, you could be eligible for this policy-based discount.
Anti-Theft Discount: You may qualify for this discount if your vehicle has factory-installed anti-theft devices. (An easy win!)
New Vehicle Discount: For our customers who insure vehicles that are less than 3 years old.
Driving Experience Discount: Eligibility for this discount is based on drivers who have been licensed for a certain amount of time and meet certain criteria.
Restraint Discount: This could be another easy discount win if your vehicle has a passive restraint system. For example, this could include seat belts that tighten if you stop suddenly or airbags that activate upon collision.
Financial Responsibility Discount: Several factors apply in determining eligibility for this discount, including your financial responsibility score.
Continuous Insurance Discount: Have you regularly carried car insurance throughout your driving history? This discount could apply if you’ve been continuously insured, whether that’s through us or a previous insurance company.
Anti-Lock Brake Discount: Factory-installed Anti-Lock Braking Systems are excellent safety features. If you have one, this could be an easily-earned policy discount.
Defensive Driver Discount: For drivers who have completed a defensive driving course or driver’s education course and meet the eligibility criteria required by their state.
Military Discount: Those who have served—or are serving—have an honored place at Clearcover. This discount is available to those who are on active duty, a junior or senior cadet of a military academy, a retired member of the Armed Forces of the United States, or those who are serving in the Guard/Reserves.
Deployed Driver Discount: This discount is for drivers who meet certain eligibility requirements and are deployed overseas due to civilian (non-active military) occupational requirements or military service.
Partner Discount: This discount is for policies that are placed with Clearcover Insurance Company through a qualifying partner.
Future Effective Date Discount: This discount is for advance shoppers who purchase a policy with a future effective date and meet other eligibility requirements.
But remember, these aren’t the only discounts offered at Clearcover. Additional discounts may be available to you depending on where you live.
How Do I Get Additional Discounts After I Sign Up For My Initial Clearcover Policy?
When you get a quote with Clearcover, the majority of discounts you’re eligible for are instantly applied to your premiums then and there.
However, as things change in your life or your household—such as a deployment, obtaining additional defensive driving education, or buying a new car—you may be eligible for additional savings depending on discounts available in your state.
All you have to do is call us and let us know something has changed, and we’ll update any discounts you’re eligible for. It’s as simple as that.
How is Clearcover Able to Give Customers Discounts They’re Eligible For Automatically?
You live in the 21st century—and your insurance company should, too. When you’re eligible for a car insurance discount, it should be easy to get.
Clearcover uses the power of technology to quickly apply most car insurance discounts that you’re eligible for when you get a quote.
You answer a few simple questions during the quote process, and then our technology goes to work on your behalf, calculating information based on your state, driving history, vehicle’s safety features, and more.
This makes getting a Clearcover quote easy, fast, and reliable—and makes getting car insurance discounts even easier. Check your price today to see how much you could save.
