LA Insurance Discounts

1. Multi-Policy Discount

Bundling your auto insurance with a homeowners or renters insurance policy can help you save money. LA Insurance offers discounts when you purchase multiple policies, typically reducing premiums by 10-25%.

2. Multi-Vehicle Discount

If you insure more than one vehicle under the same policy, you can receive a discount. This discount is especially beneficial for families or individuals with multiple cars, often saving policyholders 10-20%.

3. Safe Driver Discount

Drivers with a clean record (no accidents or violations) for a set period, usually three to five years, can qualify for a safe driver discount. This discount can reduce rates by 10-20% depending on your driving history.

4. Good Student Discount

Students under 25 who maintain a GPA of 3.0 or higher can qualify for this discount. LA Insurance recognizes responsible students and often provides savings of up to 20%.

5. Homeowner Discount

Owning a home can lower your insurance rates, even if your home insurance is with another provider. This discount acknowledges financial stability and can save you 5-10% on your policy.

6. Loyalty Discount

Long-term customers who have been with LA Insurance for several years may qualify for a loyalty discount. The longer you stay, the greater the savings, often ranging from 5-15%.

7. Military Discount

Active-duty military members, veterans, and sometimes their families can receive a discount in recognition of their service. Savings typically range from 5-15%.

8. Senior Discount

Drivers over 55 years old who complete a defensive driving course may qualify for this discount. Senior drivers can save 5-10% on their premiums.

9. Low Mileage Discount

If you drive fewer miles than the average driver, you could receive a discount. Many insurance companies, including LA Insurance, offer 5-15% off for low-mileage drivers.

10. Defensive Driving Course Discount

Completing a state-approved defensive driving course can help drivers save on their premiums. This discount is usually available once every few years and can save you 5-10%.

11. Anti-Theft Device Discount

Cars equipped with anti-theft devices, such as alarms or tracking systems, can qualify for a discount. This security measure can reduce premiums by 5-7%.

12. Automatic Payment Discount

Setting up automatic payments for your policy can qualify you for a small discount. LA Insurance may offer 3-5% off for customers who enroll in auto-pay.

13. Paperless Billing Discount

Opting for electronic statements instead of paper bills can earn you a discount. The savings are usually small, around 1-3%, but every bit counts.

14. Accident-Free Discount

If you’ve been accident-free for a certain period, usually three to five years, you may qualify for a discount. This discount can be up to 20%.

15. Hybrid or Electric Vehicle Discount

Drivers of hybrid or electric vehicles may receive a discount for choosing an eco-friendly option. Savings can range from 5-10%.

16. New Car Discount

If your car is less than three years old, you may qualify for a discount. Newer vehicles often have advanced safety features that reduce insurance risks.

17. Occupational Discount

Certain professions, such as teachers, healthcare workers, and first responders, may qualify for special discounts, typically in the range of 5-10%.

18. Married Driver Discount

Married couples often pay less for insurance than single drivers. LA Insurance acknowledges this by offering a discount of 5-10% for married policyholders.

19. Federal Employee Discount

Government employees may be eligible for a discount due to their job stability and low-risk profile. Savings can be around 5-10%.

20. Association or Group Discount

Being a member of certain organizations, alumni groups, or professional associations can qualify you for a discount. These discounts can save you up to 10%.

21. Young Driver Discount

Teen drivers who complete a driver’s education course and maintain good grades may receive discounts of up to 20%.

22. Parent-Student Discount

If your child is away at college and does not use the insured vehicle regularly, you may qualify for a discount. This can save families 5-10% on premiums.

23. Winter Tire Discount

Using winter tires during cold months can reduce your insurance costs. This seasonal discount can range from 2-5%.

24. Prepay Discount

Paying your insurance premium in full instead of in monthly installments can save you money. The discount can be as much as 10%.

25. Usage-Based Insurance Discount

Drivers who use telematics devices or apps to track their driving habits may qualify for usage-based discounts. Safe driving behaviors can result in savings of up to 30%.

26. Gated Community Discount

Living in a gated community reduces the risk of theft or vandalism, which can lower your insurance costs. This discount can be around 5%.

27. Daytime Running Lights Discount

Vehicles equipped with daytime running lights have a lower accident rate, leading to a discount of up to 3%.

28. Alternative Fuel Discount

Drivers who own vehicles that run on alternative fuels, such as natural gas or hydrogen, may qualify for a discount of 5-10%.

29. RV or Motorcycle Bundle Discount

If you insure your RV or motorcycle along with your car, you may receive a discount on all your policies. Bundling can save 10-15%.

30. Customer Referral Discount

Referring friends or family to LA Insurance can earn you a discount or cashback rewards. Savings vary but can be a one-time reduction of 5-10% on your next bill.