5 Car Insurance Discounts Most People Don’t Know About

I’ve spoken with several people recently who are either unaware of car insurance discounts they already qualify for (and aren’t receiving), or their current agent never bothered mentioning to them. This list isn’t comprehensive, and can vary from company to company, but here are some pretty neat discounts that can save you a bunch!

1. Occupation, college degree, and alumni discounts. Let your agent or broker know what you do for work, where you went to college, and what your degree is in. More insurance companies are offering double digit discounts for college educated drivers than ever before. Even if you don’t have a degree, a surprising number of occupations make you eligible for additional discounts. It doesn’t hurt to ask!

2. Senior Defensive Driving and Inexperienced Driver discounts. Drivers over 55 are eligible to take a senior defensive driving course through a number of different vendors such as AARP (just do a search online). The course is usually very inexpensive ($30-ish), takes about an hour, and earns you a certificate valid for 3 years. Discounts can be up to 10% depending on insurance company. Similarly, many insurers offer inexperienced driver discounts for young drivers who take a safety course from the insurance company. These are offered by the individual companies and can be massive; up to 25% for your kids.

3. Multi-Policy. The more policies you add to your account with one company, the more discounts you’re going to receive. Not every company offers auto, home, motorcycle, RV, boat, and business insurance. The more you consolidate, the more you save though, and the difference can be up to 65% in discounts if you bundle. In addition to the savings, it’s much simpler to have a single agent or broker be the point of contact for as much of your insurance as possible.

4. Good Student. Your children can usually qualify for these up to age 25, and for a young driver, this discount will save several hundred per year. Typically a double digit discount, and your son or daughter needs to maintain a 3.0 GPA or equivalent.

5. Hybrid and electric car discount. If you car is a hybrid, let your broker know. Hybrid and electric car discounts can be 3-5%, and every bit counts!

Paul Nelson Insurance Services is an all-lines insurance brokerage. We have relationships with dozens of insurance companies, which allows us to shop for premier coverage at amazing rates from some of the top insurance companies in California. Our specialties are auto, home, and business insurance. Give us a call at 831-426-9900


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Are you 55 or older, and have less than 2 tickets/accidents in the past 3 years? Then you may be eligible for a mature or senior driver safety discount that can save you big bucks! The discount amount varies per insurance company, and not every insurer offers it, so check with your agent. Typically, completion of the safety course will qualify for about a 10% discount off your autos. Best of all, the course should cost you around $20 to complete, and the discount stays active for 3 years. It’s really a no brainer and will save you a ton of money in the long run.

Check out any of the following links for state approved vendors, then get a copy of your certificate and send it to your insurance agent. Simple as that!

http://www.drivingschoolus.com/ ($19.95 and offers online)

https://www.dmv.ca.gov/portal/dmv/?1dmy&urile=wcm:path:/dmv_content_en/dmv/vehindustry/ol/md_programs (list of state approved vendors)

https://www.aarpdriversafety.org/ (another solid option. Classroom and online versions)



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