18. Homeowner Discount
In some cases, simply owning a home, even without bundling a separate homeowners insurance policy through the same company, can qualify you for a small discount, since homeownership is statistically associated with more stable financial behavior and lower claims risk. This is a commonly overlooked discount since most people assume it only applies if they bundle their home and auto policies together.
Quick tip: Mention that you own your home even if you are not bundling a homeowners policy, since some insurers apply this discount based on homeownership status alone.
19. Affinity or Membership Program Discount
Certain credit unions, warehouse clubs, and membership-based organizations partner with specific insurers to offer discounted rates to their members. If you belong to any membership-based organization, it is worth a quick search or a direct question to your insurer about whether an affinity discount applies to you.
Quick tip: Search your membership organization’s website for insurance partnerships, or simply ask your insurer directly whether they recognize any of the organizations you belong to.