What discounts are available on car insurance?
Alinsco offers several discounts that lower your premium, including savings for prior insurance, homeownership, automatic payments, full driving disclosure, and safe-driving telematics. You can qualify for more than one at the same time.
Discounts you may qualify for
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Proof of Prior Discount. Get a 6-, 12-, or 24-month discount if your lapse in coverage was 30 days or less.
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Homeowners Discount. Requires proof the garaging address is titled to you or your spouse. Accepted proof: a tax statement, homeowners insurance policy, mortgage statement, or deed of trust.
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Advance Quote Discount. Carry at least 6 months of prior coverage, and set your new policy's effective date at least 1 day out with zero lapse.
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In-Agency Discount. Stay with the same agency as your prior policy (this doesn't apply if that prior policy was also Alinsco), and qualify for the Proof of Prior Discount too.
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EFT Discount. Set up automatic monthly payments from a checking account or card.
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Full Disclosure Discount. Added automatically when you fully disclose your driving and claims history upfront.
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Telematics Discount. Download the Alinsco app and opt into trip monitoring on a 6-month policy. Save up to 25% after 30 days of monitoring, with a chance for more savings at renewal. (Source page's discount section heading says "5%" but its own body text says "up to 25%" — confirm the correct figure with underwriting before publishing.)
How can you prove you have prior insurance?
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Alinsco accepts an ID card, a declaration page, a renewal declaration page, or a letter of experience as proof of prior insurance. A prior Alinsco policy counts too.
How to get covered
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Get a quote — mention any discounts you think you qualify for, like prior insurance or homeownership
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Provide proof — submit an accepted document, like an ID card, declaration page, or homeownership record
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Buy the policy — eligible discounts apply once your proof is verified
RELATED QUESTIONS
How can you buy a car insurance policy from Alinsco?
Does a lapse in coverage raise your rate?
This explains how Alinsco discounts generally work. Ask your Alinsco agent which discounts apply to your policy.