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Auto – Discount Checklist

Save more with AMERICAN INSURANCE. We have more ways to save. Check it out! Experienced and helpful agents are available to make quoting easy, provide information and advice, and get you every available discount. Availability of discounts and savings potential varies depending on the insurance company selected and your state of residence.

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Safe Driver

Up to 15% discount

with violation-free driving record


Up to 10% discount

with accident-free driving record


Up to 20% discount

for owning and insuring more than one vehicle per policy


Up to 15% discount

for insuring your home or renters policy and auto policy with the same company

Auto + Home = More Savings

Home Ownership

Up to 5% discount

if you are a home owner

Renewal Credit

Up to 15% discount

Renewing your policy pays. Discounts are applied based on years of renewal.

Newer Vehicle

Discounts vary

on newer vehicles up to 5 years old

Safe Vehicle

Discounts vary

for choosing autos with more safety features. Discounts are applied automatically based on the VIN.

Good Student

Up to 5% discount

for full-time students that meet certain grade point requirements

Insurance Score

Discounts vary

for "Named Insureds" who maintain better credit and other financially based characteristics

Prior Carrier

Up to 11% discount

depending on how long you were continuously insured with certain prior insurance companies

Payment Method

Discounts vary

based on how you pay. Generally paying in full or by monthly EFT reduces your premium.


Discounts vary

Generally, the higher level of education completed the larger the discount.