We’ve sorted through the discount details on the websites of the 10 largest auto insurers (Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers and USAA) to help you get the best deal.

Here are the results of our study: the 22 top car insurance discounts, counting down from the relatively rare ones to the most common discounts that everybody offers. We bet you qualify for at least a few!

Disclaimer: Discounts may not be available in every state. Call your local agent to find out if you qualify.

More: Are you overpaying for car insurance?

22. Legacy discount

Offered by: American Family, Farmers, USAA

Are you a young driver who's sticking with the same car insurance company your parents use?

Your family tradition could land you a legacy discount — which will cut the cost of your policy by as much as 10%.

Check the rules closely. Typically you can land these discounts only if you're under 25 and if you've been insured under your parents' policy for a set period of time.

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21. Senior discount

Offered by: Farmers, Liberty Mutual, State Farm

A few insurance providers now recognize mature drivers for their many years of experience. If you're in this category, then you’ll want to be sure to take advantage of this deal.

Liberty Mutual gives newly retired drivers a discount, and Farmers offers policyholders in Arizona a break on their auto premiums if they're 55 or older and live in a retirement community.

State Farm advertises discounts for older drivers in a few states, but the terms vary.

20. 'Green' car discount

Offered by: Farmers, Liberty Mutual, Travelers

Eco-conscious drivers already enjoy government incentives for choosing a "green vehicle," and insurers have been getting on board, too.

If you drive a hybrid, an electric car or an alternative fuel vehicle, you might be eligible for a discount on your premium.

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19. Daytime running lights discount

Offered by: Farmers, Geico, State Farm, USAA

Daytime running lights — which are standard on most new vehicles — switch on automatically when your car is in drive, ensuring that you're always visible on the road.

If your car happens to have daytime running lights installed, then you might be eligible to save a small percentage off the cost of your insurance.

18. Military discount

Offered by: Farmers, Geico, State Farm, USAA

Members of the military and their families do so much for our country. That’s why some insurers give active service members, retired military personnel and surviving military family members breaks on their auto policies.

USAA has good military discounts, which you might expect from a company that was founded by 25 Army officers. Its deals include up to 15% off your premiums when you live on base, and up to 60% off when you put your car in storage.

Geico says it gives discounts of as much as 25% when a military policyholder is called up in an emergency deployment.

17. Affinity discount

Offered by: Farmers, Geico, Liberty Mutual, Nationwide, Travelers

Not in the military? No problem! You might be surprised to discover that insurers reward your hard work in other professions and even your memberships.

For example, Farmers offers discounts for certain occupational groups, including doctors, nurses, dentists, teachers, police officers and firefighters.

Geico says it offers federal government employees savings of up to 8%, plus it has a list of more than 500 groups that qualify for rate cuts, including alumni associations, sororities and professional organizations.

16. Newer vehicle discount

Offered by: Allstate, Farmers, Nationwide, Travelers, USAA

Got a new or new-ish car? There’s a discount for that.

Some insurance companies give rate cuts of up to 15% if you own this year’s model or a car less than 3 years old.

15. Loyalty discount

Offered by: American Family, Farmers, Progressive, State Farm, USAA

If you’ve been with the same insurer for a few years, then you may be eligible for a loyalty discount.

For example, Farmers has a "thank you discount" for policyholders in California who have insured with the company for three straight years.

Some State Farm customers get a price break after just one year.

14. Early signing discount

Offered by: Allstate, American Family, Farmers, Nationwide, Travelers

You could say this discount rewards the opposite of loyalty. Amid the stiff competition between insurance companies, you might now get a price cut if you sign up to switch over before your existing policy expires.

You may have to make the change within a certain number of days before your policy is up — but some insurers offer savings if you just don't let your insurance lapse before your new policy begins.

If you’re shopping around for a new insurance provider, then this is one discount worth checking out.

13. Homeowner discount

Offered by: Farmers, Nationwide, Progressive, State Farm, Travelers

Do you own your house or condo? You might be surprised to learn it can save you money on your car insurance.

A few insurers now give discounts just for owning your residence.

There might be strings attached. For example, Nationwide tells customers in Connecticut they can save 7% on car insurance if they own a home and promise to insure it through the company within one year.

12. Air bags discount

air bag logo on a steering wheel
Pavel Pomoleyko / Shutterstock
Several top insurers offer a discount if your car is equipped with air bags.

Offered by: American Family, Farmers, Geico, Nationwide, State Farm, USAA

This is another easy discount that applies to almost any vehicle with basic safety features. So make sure to ask about it!

All you need is a newer car with air bags or other "passive restraints," such as motorized seat belts.

You could save up to 40% on the medical payments or personal injury part of your premium with Geico just for having full front seat air bags. American Family says factory-installed air bags can cut the overall cost of your policy by up to 30%.

11. Anti-lock brakes discount

Offered by: Allstate, Farmers, Geico, Liberty Mutual, State Farm, USAA

If you brake suddenly, anti-skid or anti-lock braking systems (ABS) allow your car's wheels to stay in contact with the road, instead of locking up.

This keeps your car from skidding uncontrollably into an accident or off the road.

You can save upwards of 5% on your auto insurance if your car has this safety feature.

10. Anti-theft devices discount

Offered by: Allstate, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, USAA

Comprehensive car insurance covers all sorts of loss unrelated to accidents — including theft.

That's why it makes perfect sense that insurers show appreciation if you have an alarm system installed in your car.

To thank you for reducing the risk of having your car stolen, they’ll give you a discount of up to 25% off the comprehensive part of your premium.

9. Distant student discount

Offered by: Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers

This one benefits families with high school or college students who live at school.

Full-time students who are away most of the year don't use the car as much. Insurers recognize the reduced risk of accidents, and some now offer discounts of up to 35%.

The details vary, but insurers usually specify that the school must be 100 miles or more from home and that the student be 22 years old or younger.

8. Low mileage discount

Offered by: Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, State Farm, USAA

The numbers don’t lie: The less you drive, the less likely you are to have an accident. That’s why most insurers reward drivers who keep their mileage low.

To determine your mileage, companies may require that your driving habits be tracked, either through an app on your smartphone or a gadget installed on your vehicle. Most of the major insurers have these "telematics" monitoring programs.

If you’re retired, live in a walkable neighborhood, work close to home or tend to drive only within city limits, then consider calling your insurance provider about this discount.

7. Full payment discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, Travelers

Check your bill: Are you being charged a "billing fee" on every invoice? Annoyingly, many insurance companies charge some kind of administrative fee each time they issue you a statement.

But many of them also offer a discount if you're willing to pay the full six-month cost of your policy upfront, instead of in installments.

You can save on the billing fees or up to 10% off your premiums by paying in advance.

6. Electronic payments discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers

Insurers have a few different names for this discount — paperless billing, electronic billing or automated payments — but the idea is the same.

The majority of insurance companies will give you a discount if you set up automated billing, either from your bank account or on your credit card.

Instead of getting paper invoices in the mail, you'll make the payments automatically according to the payment schedule you agree to.

5. Defensive driver discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, State Farm, Travelers, USAA

Did you know that most insurers give discounts to drivers who take a defensive driving course? Some offer discounts to anyone who takes a class, while others specifically reward only teens or adults over 55.

The class can cost as little as $25, and you can find one online, or in-person at a driving school where you live.

Each state evaluates local driving schools' programs, so be sure to check that a course is approved before signing up.

4. Multivehicle discount

modern suburban family life - 2 cars & a house
debr22pics / Shutterstock
Insuring more than one car can score you a car insurance discount.

Offered by: American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA

Got more than one car in your driveway? Nearly all insurance companies give a discount if you insure multiple vehicles under a single account.

But if you have more than one car insurance policy in your home (like, if your teen driver has a separate policy), you might still be eligible to save up to 25% on your premiums.

3. Multiple policy discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA

Telecommunications companies love it when you agree to bundle together your phone, cable and internet service, and car insurers will reward you for similar one-stop shopping.

Insurance companies have policies to safeguard everything from your health to your dog, motorcycle or houseboat. And as a general rule, the more policies you buy, the more you save.

For example, State Farm says you can save up to 17% off your auto insurance premiums if you also have homeowners, renters, condo or life insurance through the company.

2. Good student discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA

Got a teen driver at home and hating the high insurance premiums? Make sure your kid hits the books!

Insurance companies believe young drivers with high GPAs are more responsible and less likely to get into accidents, so all 10 of the top auto insurers offer discounts for good students.

To apply for this discount, you’ll have to prove that your little smarty-pants is holding a B average or higher. This deal could save you up to 25% on the student's portion of your policy.

1. Safe driver discount

Offered by: Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA

Had a clean driving record the last few years? Then get ready to save. All of the major insurers advertise that they offer discounts for consistent accident-free driving.

The exact details vary. Some insurers reward good driving after just three years, while others want to see five years without accidents.

Geico gives up to 26% off most policies for safe drivers, while Liberty Mutual offers up to 30% off for the life of your policy if you demonstrate safe driving behaviors during 90 days of electronic monitoring.

Compare insurance quotes and save money

Did you know that you could be saving some serious money just by switching insurance companies?

It’s true. You could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called SmartFinancial to see all of your options at once.

SmartFinancial will provide you with a tailor-made list of possible policies from all major and most relevant insurance carriers.

About the Author

Esther Trattner

Esther Trattner

Freelance Contributor

Esther was formerly a freelance contributor to MoneyWise.

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