Auto Insurance Discount Definitions
Automatic seat belts are belts that lock in place without assistance. Savings of up to 30% are available on Personal Injury Protection and/or Medical Payments coverage if both driver and passenger side have air bags and automatic seat belts installed. The discount is 20% off the Personal Injury Protection and/or Medical Payments coverage premiums if only the driver's side has an air bag. Savings amounts may vary by state.
A discount off the Comprehensive coverage premium is available when an active anti-theft device is present. An active anti-theft device is defined as a system that must be turned on manually before the system is activated. A discount off Comprehensive coverage is available if a passive anti-theft device is installed in the vehicle. A passive anti-theft device is defined as a system that automatically engages when the ignition is turned off. Savings amounts may vary by state.
A discount is available on Bodily Injury (BI) coverage and Property Damage (PD) coverage premiums for autos with factory installed four wheel anti-lock braking systems (ABS). Savings amounts may vary by state.
Drivers under age 25 who complete a state approved driver training course are automatically entitled to a 10 % discount on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverages. Savings amounts may vary by state.
Eligibility for the Good Driver Discount is determined through the assignment of points for convictions and accidents. In order to qualify for the Good Driver Discount, all operators assigned to that vehicle must:
- have been licensed to drive for the previous three (3) years.
- not have been assigned a total of more than one point for accidents and convictions in the preceding three (3) years.
The rules regarding point assignment are lengthy. If you want to know if you qualify for the discount please call us and a representative will provide additional detail. The discount is provided on your rate quote automatically if you qualify.
When you insure 2 or more vehicles on the same policy you can receive up to a 28% discount on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection, Comprehensive and Collision coverages. Savings amounts may vary by state.
Save up to 10% automatically if you drive what we classify as a safe vehicle. These include cars like the Buick Century, Chevrolet Celebrity, Chevrolet Lumina, Mercury Grand Marquis, and many, many more. Savings amounts may vary by state.