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Most drivers qualify for discounts they've never asked about

Tick what's true for you in three short lists. You'll get the discounts worth asking for, what each one typically saves, and the exact words to use when you call your insurer.

About two minutesNothing to sign up forSourced figures

Which of these are true for you?

Tick everything that applies. Leave the rest.

Press 1–6 to tick, Enter to continue

And for your car and how you drive?

Tick everything that applies.

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Which of these would you be happy to do?

These are the easiest wins. Most insurers reward them, and they cost nothing.

Press 1–5 to tick, Enter to continue

What do you pay a year now?

Optional. With it, we can turn percentages into dollars. It stays in your browser.

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Your answers. Tap one to change it.

How to read the savings

The ranges come from insurers' own discount pages and published industry figures, linked below. They are what the discount typically takes off the part of the premium it applies to. Some apply only to certain coverages, and every insurer caps how much you can stack.

That's why we don't add the percentages up. Discounts multiply: two 10% discounts take off 19%, not 20%. The combined figure we show does that math. Insurers don't publish how far discounts can stack, so we also cap it at 40%. That cap is our own conservative assumption, not a published rule. Discounts that apply to only part of the premium, like anti-theft on comprehensive cover, are listed but left out of the total.

Not every insurer offers every discount, and a few states require some by law. If your insurer doesn't offer one you qualify for, that's a good reason to compare.

Sources

  1. Allstate, Insurance bundling, February 2026 data.
  2. Progressive, Car insurance discounts.
  3. GEICO, Car insurance discounts.
  4. State Farm, Auto insurance discounts.
  5. GEICO, Military discounts.
  6. New York State DMV, Point and Insurance Reduction Program.
  7. AARP, Auto insurance discounts for the AARP Smart Driver course.
  8. California Legislature, Insurance Code §1861.02 (Good Driver Discount, at least 20%).
  9. Experian, Top car insurance discounts, March 10, 2025.
  10. State Farm, Drive Safe & Save.
  11. Progressive, Snapshot.
  12. California Department of Insurance, Pay-as-you-drive regulation, 10 CCR §2632.5 (final text), October 15, 2009.
  13. Insurance Information Institute, Nine ways to lower your auto insurance costs.
  14. MoneyGeek, Monthly vs. annual car insurance payments, May 22, 2026.
  15. ValuePenguin, Car insurance discounts.

Figures checked against these sources on October 2, 2026.