Good Student Discount - You may receive a discount on your auto insuirance if you have a student that is an owner or operator of a housold vehicle that is a full time high school, college or university student, is in the upper 20% of his/her scholastically or maintains a "B" average or better.

Multi Car Discount - You receive a discount for having more than one vehicle on a policy or with the same company on separate policies.

Multi Policy Discount - You receive the largest discount percentage for having your auto and home insurance for example with the same company or agent.

Over 65 Discount - A premium reduction of 25% is given for an operator age 65 and older.

Paid in Full Discount - If you pay your auto insurance in full with certain companies you will receive a discount.

Accident Forgiveness - For a minimal cost, some companies offer an endorsement that will waive surcharge points on your auto insurance policy that would normally cause an increase to your insurance policy.

Identity Theft Coverage - For a minimal cost, companies offer coverage that protects you from many of the added costs associated with identity theft such as loss of earnings, loan application fees, attorney fees.

Further Effective Date Discount - If our agency writes your insurance at least 10 days prior to the effective date, some companies will offer a 3% discount.

Good Payer Loyalty Discount - some companies offer a discount starting at 2% up to 5% if you complete one year billing with zero non-payments or late notices.

Annual Mileage Discount - if you drive your vehicle less that 5,000 annually you can receive a 10% discount. If you drive your vehicle less that 10,000 but more than 5,000 you can receive a 5% discount on your auto insurance.

Alarm Discounts - Discounts are available for any alarm installed in your vehicle.

Anti Lock Brake Discount - A premium discount applies for your vehicle equipped with a factory installed two or four whell anti-lock brake system (ABS).

Driver Training Discount - A discount is given if the operator of the vehicle is inexperienced and has taken an approved driver training course.

Repair or Replacement Cost Coverage - For no additional premium, Coverage for Damage to your auto is changed from Actual cash value to Replacement Cost (certain limitations and exclusions may apply). The vehicle must be new, owned or leased by you with collision coverage, limited collision and comprehensive coverage carried on the auto.