9 car insurance discounts you could be missing out on

Car insurance premiums can be affected by various discounts that may not be immediately obvious to policyholders. While shopping around for better rates is one way to save, these discounts could help lower premiums even with the same insurer. Drivers with clean records and modest coverage needs may struggle to find significant savings, but there are several discounts to be aware of.

Low-mileage discounts may be available if you drive less than usual due to remote work, retirement or a shorter commute. Pay-per-mile policies charge based on how much you drive, while traditional low-mileage discounts are based on annual driving distance. Defensive driving course discounts are possible by completing approved courses, even with a clean driving record. Eligibility varies by state and insurer, but savings can last several years.

Employment or professional affiliations can qualify drivers for lower insurance rates, such as teachers, military members, first responders and employees of endorsed organizations. Some insurers offer discounts to alumni associations, professional organizations or employer-sponsored insurance programs. Vehicle safety feature discounts may apply if your car has anti-theft systems, anti-lock brakes, airbags and other approved safety equipment.

Automatic payment and paperless billing discounts are available for enrolling in automatic payments, choosing electronic documents or paying your entire premium upfront. Telematics and safe-driving discounts may provide further opportunities to save through smartphone apps or connected devices that monitor driving habits, although some programs can increase rates based on the data collected.

Good student discounts are offered for teen or college-age drivers who maintain a certain grade-point average or other academic requirements. Insuring multiple vehicles or bundling auto insurance with other policies like homeowners or renters coverage may also qualify for additional savings. Lastly, early renewal and loyalty discounts may be available if you renew early, maintain continuous coverage, or remain insured with the same company for several years.