There are many discounts associated with car insurance, and those that carefully review their policies may be pleasantly surprised. While some are widely known such as safe driving discounts, there are many ignored discounts that may help you save. Here are the top five car insurance discounts you may not know to ask your insurance agent about.

1) Good Student Discounts

Good student discounts reward young drivers for keeping their grades up. In order to qualify for this discount, a high school or college student must have a B average or be in the top 20% of their class. Unfortunately, this deal is not available to part-time students. But, if you are a full-time student or pay for one’s insurance, this discount could mean significant savings.

Students can save between 6% to 36% on their car insurance depending on who their provider is. The typical amount you can expect to save with a good student discount is around 12%.

2) Anti-Theft Discounts

Anti-theft discounts can be offered to drivers who have protections against their vehicle or parts of their vehicle being stolen. These protections include car alarms and tracking devices which make it less likely the insurance provider will need to settle a claim due to theft.
Anti-theft discounts can save people up to 15% on their comprehensive coverage rate.

3) Passive Restraint Discounts

To qualify for a passive restraint discount, drivers must be insuring a vehicle with automatic safety features such as airbags that inflate in the event of a collision and seat belts that stop expanding and lock up with sudden changes.

Most modern cars have the above features, but there are other, newer safety features to look for when it comes to saving on car insurance. In order for any safety feature to get you discounts, it must be activated automatically without the driver having to turn on the feature.
Anti-lock brakes, daytime running lights, and electronic stability control have the potential to get drivers better rates. Discounts vary between different agencies and states.

4) Defensive Driving Discounts

Defensive driving discounts are offered by some insurance agencies to drivers who have completed a defensive driving course. These courses teach skills such as how to deal with road rage and how to keep safe in emergency situations.

Which courses unlock the discount are decided by what state one lives in as well as the insurance agency they use. Defensive driving discounts can be as large as 10%.

5) Low Mileage Discounts

Low mileage discounts are usually given to people who drive around 7,500 miles per year. To put that in perspective, the average American drives approximately 13,500 miles per year. However, with more people working from home, vehicle owners may find themselves driving less, and different insurers offer different deals. For example, people that drive less than 8,000 miles annually can feasibly still qualify for the Safeco and PEMCO low mileage discounts.

The rates low mileage discounts save those that qualify are different depending on which state one lives in and their insurance plan, but sometimes offer discounts as high as 20%.