Many insurance companies offer discounts that can save an insured up to 20% on their insurance premium. By just having these simple things can qualify you to receive amazing savings:
NOTE: These discounts vary by insurance company and state. Please check with Troy Insurance to see if the company that insures you offers the discounts that apply to you.
Multi-Policy: When you bundle more than one insurance policy.
Military: For members of the armed forces.
Affinity/Occupational (Nonmilitary): For belonging to a certain group or working for a certain company or in a certain field.
Paid-in-Full Payment: For paying the premium all at once.
Paperless Billing/Automatic Payment: For billing or payment done electronically.
Loyalty: For having stayed with the insurer for a length of time.
Early Signing: For switching to a new carrier if shopping process started at least a certain number of days before old policy expired.
Claim-Free: Customers who have not had a claim within the last three or more years.
Multi-Vehicle: When you have more than one car insured.
Anti-Theft: An alarm system for your car in case of theft.
Newer Vehicle: If you own a newer model vehicle that is a certain number of years old.
“Green” Vehicle: If you own a car with a hybrid or alternative-fuel.
Low Mileage: For individuals who keep their driving mileage down.
Safe Driver/Accident-Free: Individuals with a clean driving record.
Defensive Driver: For those who have taken the defensive driving course.
TeenSmart/Driver Education Training Program Discount: For a young driver who has completed a safe teen driving course.
Good Student: For a young driver earning good grades.
Distant Student: For a young driver attending school far from home.
American Automobile Association (AAA): Provides services to its members, including roadside assistance and more.
Homeowner: If you own your home or condominium.
Newer Home: For homes built less than 15 years ago.
Central Alarm & Protective Devices: When a home has a central fire and/or central burglar alarm, fire or smoke detectors or even automatic sprinklers.
New Roof: When the roof of a home is less than 10 years old (credit varies by age of roof).