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Good Credit Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 20, 2021

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Key Takeaways

  • You’ll find cheaper car insurance rates if you have good credit
  • There are many car insurance discounts available with good credit or bad credit
  • Your local car insurance agent should be able to provide you a list of all discounts their company offers

Car insurance is one expense that nobody enjoys paying. You’ve worked hard to become financially stable, can you get a good credit car insurance discount? Cheap car insurance isn’t hard to find, and we’re here to help.

We’ll guide you through car insurance discounts for people with good credit, common car insurance discounts, and how to get the cheapest car insurance rates from the best companies.

Ready to start shopping for car insurance with a good credit score? Take advantage of our FREE quote tool to get personalized rates from top car insurance companies now.

Is car insurance cheaper with good credit?

We all want the cheapest car insurance rates. It’s obvious that your driving record, age, and even your marital status can impact your car insurance rates. Does credit score affect car insurance rates?

Car insurance companies do check credit scores when underwriting car insurance policies. There are statistics that show an increased risk when insuring someone with a low credit score compared to a high credit score. More risk means higher rates.

How do I get cheap car insurance?

You don’t necessarily get a bad car insurance rate just because you have a low credit score. Learning how to get cheap car insurance quotes isn’t hard, it just takes a little extra effort. There are a handful of car insurance discounts that can help you qualify for affordable car insurance with bad credit.

You’ll find that there are actually quite a few car insurance discounts. Some car insurance discounts are for usage, some for education, and more. There are a handful of common auto insurance discounts to look out for when shopping for cheap car insurance.

How can I get a discount on my car insurance?

Everyone wants to save money, but how do you start saving on car insurance? Do you get a discount for paying for car insurance in full? Good driving? Let’s see some of the most common car insurance discounts.

Common Car Insurance Discounts
Discount TypeDetails
Good DriverGet up to 10% off your monthly bill for going a specific length of time with no traffic violations or accidents.
Defensive DrivingGet up to 15% off your monthly bill with a valid defensive driving course certificate.
Low MileageGet up to 20% off your monthly bill with a low-mileage vehicle.
Good StudentGet up to 25% off your monthly bill with proof of excellent grades.
Daytime Running LightsGet a small discount if your vehicle has daytime running lights.
Anti-lock BrakesGet up to 10% off for having a vehicle with anti-lock brakes.
Anti-theft SystemGet up to 15% off for having a vehicle with an anti-theft system.
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Some companies offer up to 18 different types of car insurance discounts for a variety of reasons. Companies like Liberty Mutual, Geico, Progressive, and State Farm offer ample car insurance discounts for policyholders.

Can I get a discount on car insurance if I have good credit?

If you’re looking for the best car insurance quotes, having good credit will help. Even so, there aren’t necessarily discounts on car insurance for having a good credit score.

Your credit is just another factor that determines your rate during the underwriting process. Good credit scores are essentially hidden car insurance discounts.

If you simply want to find the cheapest car insurance for your state, you’ll need to shop around. You’ll see that some car insurance companies might weigh your credit score heavier than others.

Again, bad credit tends to be considered a car insurance risk according to the Insurance Information Institute.

Who has the cheapest car insurance for people with bad credit? With so many variables to consider when underwriting car insurance, that’s tough to answer. There are some basic tips for saving money on car insurance.

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Car Insurance Discount Tips

Maybe you can’t get an additional discount just for having a good credit score, but it never hurts. Getting discounts on car insurance is actually pretty easy.

When looking for car insurance discounts, you’ll want to research your car, the insurance company, and if you qualify for any potential discounts through school or another professional organization.

How do you get discounts on car insurance with bad credit? Check out these tips below:

  • Ask your agent what car insurance discounts their company offers. They want your business as bad as you want a discount.
  • Compare rates from big and small companies in your area. Sometimes you’ll find cheap car insurance rates from small insurers.
  • Take a defensive driving course. This is one of the easiest ways to save money on car insurance. Most insurers will give you a discount on an eligible course.

Defensive driving courses are just one of the many car insurance discounts out there. Whether you’re looking for high-risk car insurance or just looking for find as many discounts as possible, these courses help.

Defensive Driver Discount Savings by Company
DiscountsDefensive Driver
21st Century5%
AAAN/A
Allstate10%
American Family10%
AmeripriseN/A
Amica5%
Country Financial5%
Esurance10%
FarmersN/A
GeicoN/A
Liberty Mutual10%
MetLife7%
Nationwide5%
Progressive10%
Safe Auto10%
Safeco5%
State Farm5%
The General8%
The Hanover5%
The Hartford10%
Travelers10%
USAA3%
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You should be able to find a car insurance company nearby that offers various discounts. Be sure to shop quotes from different providers.

Good Credit Car Insurance Discounts: The Bottom Line

At the end of the day, shopping for cheap car insurance quotes with good credit shouldn’t be hard. With so much competition, many car insurance companies offer discounts for vehicle specifications, good driving, and more.

Ready to start shopping for good credit car insurance? Get instant quotes from numerous companies in just a few clicks using our FREE quote tool below.

References

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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