Car Insurance Discounts You Probably Qualify For

Indianapolis Auto Insurance is a necessity that every motorist needs. Not only is the policy imperative when it comes to protecting your vehicle and its contents, it’s also a necessary component to giving you and your family some peace of mind.

If you’re among the many Indiana drivers who haven’t asked the right questions to your insurance provider, you could be missing out on some significant savings on your premium—and these car insurance discounts are worth inquiring about.

Low mileage discount.

If you drive less than 12,500 miles per year, you could be eligible for a low mileage discount. On average, you can save approximately $84 a year if you qualify for this discount.

The use of your car.

People who use their car primarily for farming (someone who mainly drives his truck around the farm, for example)—as opposed to business or pleasure—will get the steepest discounts. Roughly 40% of surveyed companies offered this discount with an average savings of 10%, says Market Watch.


If you’ve been a customer with your insurance company for a few years, it’s worth asking if you qualify for some special treatment in the form of shaving off a few bucks from your premium. Once you reach three years you can start asking for discounts, then again once you hit the five-year mark.

Owning a home.

Everyone’s  heard of bundling policies with the same provider to get discounts. However, did you know that homeowners are perceived as a less risky client? If you recently bought a home, or you’re planning to in the near future, speak with your trusted insurance agent about a car insurance discount.

Owning your car.

If you lease your vehicle, it’s one thing. But, owning your vehicle outright means you probably qualify for a discount.


This isn’t as common as the other discounts, but some providers offer discounts for earning a bachelor’s or master’s degree from an accredited university.

Automatic payment setup.

This ensures the insurance company gets their money on time and are paid in full each month. If you opt-in for automatic payments via electronic funds transfer, you could be eligible for a $30 discount.

Carrying a life insurance policy.

While most people know that they can get an auto insurance discount by holding a homeowner’s insurance policy with the same company, the bundling also works with life insurance. The discount, in this case, is usually 4%—and roughly 37% of surveyed companies offered it—which would save the average person more than $30 per year, says the article.

If you’re in the market for a new insurance provider, or you think you might be eligible for one or many of these discounts, contact us today!

About McClain Matthews Insurance

At McClain Matthews, we specialize in providing comprehensive insurance solutions for Indianapolis residents, business owners and beyond. For the last 69 years, we have established relationships within our community and pride ourselves on tailoring coverages as needed by our clients. For more information on how we can serve you, contact our friendly experts today at (317) 298-7500.