2. Multi-Car Discount
If you insure more than one vehicle under the same household policy, most insurers automatically reduce the per-car premium, but the discount amount varies significantly between companies. It is worth asking specifically how much your current insurer discounts for a second or third vehicle, since some offer far more generous multi-car pricing than others.
Quick tip: Compare the multi-car discount percentage across a few insurers before renewing, since this is one area where pricing can differ significantly between companies for the exact same household.
3. Good Student Discount
Full-time students, typically those in high school or college, who maintain a strong grade point average, often around a B average or higher, frequently qualify for a meaningful discount. This one is almost never applied automatically and usually requires submitting a current transcript or report card directly to the insurer.
This discount can remain in place throughout the entire duration of a student’s education, potentially saving a family a meaningful amount over several years, yet it is one of the most frequently forgotten discounts simply because renewing the paperwork each year feels like a hassle.
Quick tip: Submit an updated transcript at the start of every school year, since many insurers require fresh proof periodically rather than applying the discount permanently after a single submission.