Auto-Owners Insurance provides a variety of discounts that help tailor your personal auto insurance coverage to fit your budget. Here’s a comprehensive overview of the available discounts and how you can qualify for them:
Multi-Policy Discount
By combining multiple Auto-Owners policies under one roof, such as auto and home or life insurance, you can save up to 5% on personal lines policies and 2% on commercial lines policies. This discount is applicable when the named insured is the same on all combined policies. To receive this discount, simply speak to us about bundling your insurance policies.
Multi-Car Discount
If you have more than one vehicle in your household that you wish to insure, you can take advantage of the Multi-Car Discount. This discount offers savings when you insure multiple vehicles under a single policy. To qualify, you’ll need to register more than one car with Auto-Owners.
Paid In Full Discount
Opting to pay your entire policy premium upfront can lead to savings with the Paid In Full Discount. This discount is applied when you choose to pay for your policy in one lump sum instead of monthly installments. Setting up Electronic Funds Transfer (EFT) can make this process simpler and ensures annual renewal.
Safe Driver Discount
Auto-Owners rewards safe driving habits with a Safe Driver Discount. Maintaining a clean driving record absent of accidents or violations over a specified period makes you eligible for this discount. Regularly review your driving history to ensure you qualify.
Anti-Theft Device Discount
Installing an anti-theft device in your vehicle can earn you a discount. Such measures reduce the risk of theft and, consequently, lower your insurance premiums. Ensure your vehicle is equipped with an approved anti-theft system to receive this discount.
Anti-Lock Brakes (ABS) Discount
Vehicles with Anti-Lock Brakes (ABS) can also qualify for an additional discount. ABS helps prevent skidding during sudden stops, thus lowering the risk of accidents. Confirm with your agent that your vehicle is equipped with ABS to apply this discount.
Airbag Discount
Having airbags in your vehicle can further reduce your insurance costs. Airbags provide added safety in the event of a collision, and this discount reflects the enhanced security they offer. Vehicles must be equipped with factory-standard airbags.
Good Student Discount
Students who maintain a certain grade point average can benefit from the Good Student Discount. This discount acknowledges the responsibility demonstrated by young drivers who excel academically. To qualify, provide proof of your grades to us.
Student Away at School Discount
If you have a student who lives more than 100 miles away from home without a vehicle, you can qualify for the Student Away at School Discount. This discount recognizes the reduced risk since the student isn’t regularly driving the insured vehicle.
Premier for Safe Drivers Discount
Long-term, collision-free driving can also earn you the Premier for Safe Drivers Discount. This discount is targeted at drivers with a proven track record of safe driving over an extended period.
Driver Safety Program Discount
Completing a state-approved driver safety program can make you eligible for this discount. These programs educate drivers on safe driving practices and help lower insurance risks. Submit your certification of completion to apply.
Teen Driver Monitoring Discount
Utilizing a teen driver monitoring system to track driving habits and promote safety can result in additional savings. These systems provide real-time feedback, encouraging teens to adopt safer driving practices.
Homeowner Discount
Owning a home can contribute to your auto insurance savings by qualifying you for the Homeowner Discount. Ensure your homeownership status is reported to the Fuller Insurance Team.
Advance Quote Discount
Planning ahead pays off with the Advance Quote Discount. By obtaining an auto insurance quote well before your existing policy expires, you can secure a discount for proactive planning.
No Youthful Operator Discount
Households without drivers under a certain age can benefit from the No Youthful Operator Discount. This discount leverages the reduced risk presented by more experienced drivers.
Auto-Owners Insurance provides a wide array of discounts designed to lower your auto insurance premiums and cater to your specific needs. Whether you are a safe driver, a student, a homeowner, or someone insuring multiple vehicles, there are savings opportunities available for you. To explore these discounts and find out how much you can save, visit or contact the Fuller Insurance Team today.
