Many insurance companies offer policy discounts for personal lines 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.
Any Policy
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.
Auto
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.
Home
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).
