Auto and truck insurance can be a major expense—but many drivers don’t realize they may be missing out on discounts that could significantly lower their premium. Whether you drive a personal vehicle, a work truck, or both, there are a variety of ways to reduce your costs without sacrificing coverage.
Here are the top auto and truck insurance discounts you might be missing—and how to take advantage of them.
1. Multi-Policy Discount (Bundling)
If you have more than one type of insurance policy—such as home, renters, or life insurance—with the same company, bundling them together can lead to considerable savings, often between 10% and 25%.
Tip: Ask your insurer about bundling options if your policies are currently with different companies.
2. Multi-Vehicle Discount
Insuring multiple vehicles on the same policy, such as a car and a truck, can lower your overall premium. This is especially helpful for families or households with more than one driver.
Tip: Even if the vehicles serve different purposes, you may still qualify if they’re insured under the same address.
3. Safe Driver Discount
Drivers with a clean record—no recent accidents, tickets, or claims—are often rewarded with lower premiums.
Tip: Consider taking a defensive driving course to potentially qualify for an even greater discount.
4. Low Mileage Discount
If you drive less than the average number of miles per year (often under 7,500 or 10,000 miles), your insurer may offer a lower rate due to reduced risk.
Tip: Track your mileage and ask your provider if they offer a low-mileage or usage-based program.
5. Good Student Discount
Students under 25 years old who maintain a B average or higher may be eligible for a discount.
Tip: Submit proof of grades or a report card each policy period to continue receiving the savings.
6. Military and Affiliation Discounts
Many insurance companies provide discounts for active-duty military, veterans, and sometimes their families. Professional affiliations, unions, or alumni associations may also qualify for group discounts.
Tip: Let your insurer know about any professional or military affiliations when you request a quote.
7. Safety and Anti-Theft Features
Vehicles equipped with safety or anti-theft features—such as airbags, anti-lock brakes, stability control, or GPS tracking—may be eligible for reduced rates.
Tip: Provide a list of your vehicle’s safety features to your insurer to ensure they’re accounted for.
8. Usage-Based Insurance Programs (Telematics)
Some insurers offer programs that track your driving habits using a mobile app or plug-in device. These programs reward safe driving behavior with discounts.
Tip: These programs typically monitor acceleration, braking, speed, and drive times to assess risk.
9. Full Payment Discount
Paying your entire premium up front rather than in monthly installments may save you money—typically around 5% to 10%.
Tip: If your budget allows, paying in full can also help avoid installment or processing fees.
10. Paperless Billing and Auto-Pay Discount
Opting for digital billing and setting up automatic payments can earn you a small discount while simplifying your payment process.
Tip: Check your policy documents or account settings to enable these features.
Bonus: Truck-Specific Discounts
If you drive a truck—especially for commercial use—ask about specialized discounts such as:
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Multi-vehicle commercial fleet discounts
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Commercial driver’s license (CDL) holder discounts
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Equipment or cargo protection upgrades
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Business or trade association membership discounts
Tip: Be clear about whether your truck is for personal, business, or mixed use to receive the most accurate rate and applicable savings.
Auto and truck insurance discounts can make a big difference—but many aren’t automatically applied. You often need to ask your provider or shop around to uncover all the savings you’re eligible for.