Discounts & Savings

Placing both your auto and home with us is a great way to save.

Because you have better things to spend your money on.

We offer discounts to reward our best drivers and homeowners. Saving is important, but don't sacrifice the protection you need to recover from an accident or property damage. Talk to your agent to make sure you are adequately covered.

Dad in wheelchair playing with daughter

For Auto

We reward responsible car owners and good drivers by offering a variety of discounts on your premium, including discounts for:

  • Placing your homeowners with us
  • Paying your premium in full
  • Passive restraints, such as automatic seatbelts and airbags
  • Daytime running lights
  • Antilock brakes
  • Students with good grades (B average or better) who are on your policy
  • Students away at school (more than 100 miles from home)
  • Drivers who have passed an approved driver’s education course
  • Placing multiple vehicles with us

For Homeowners

We offer a variety of discounts to qualified homeowners:

  • Loss free
  • Nonsmoking household
  • New homebuyer
  • Retired daytime occupancy
  • Renovations of electrical, plumbing or heating systems (last 10 years)
  • Roof replacement  
  • Fire protective devices, including smoke detectors, alarms or sprinkler systems
  • Burglar protective devices, including deadbolt door locks and alarms
  • Wind mitigation construction

Smart Home Protective Devices*

To recognize the additional protection that these devices provide to a home, our protective device discount has been enhanced to offer discounts for homes with the following devices:

  • Video Doorbell
  • Wi-Fi Thermostat
  • Water Sensors
  • Whole House Generator
  • Security Cameras
  • Wi-Fi Smoke Detectors
  • Multi-Function Home Sensors
  • Automatic Water Shut Off

*Available in Maryland, New Jersey, Pennsylvania, Tennessee and Virginia

More Ways to Save

You can also lower your auto insurance premium by:

  • Eliminating the Physical Damage coverages (Collision/Comprehensive) for older vehicles
  • Increasing your Physical Damage deductible
  • Eliminating the Rental Reimbursement Coverage if you have other vehicles you could use
  • Driving safely and defensively
  • Supervising new, young drivers
  • Buying a car with a good safety record that’s not expensive to repair
  • Buying a standard car instead of a high-performance or sports car
  • Comparing insurance costs when you are researching cars to buy
  • Paying your auto premium in full rather than in installments
  • Commuting to work using public transportation or carpooling
  • Having low annual mileage

You can reduce your homeowners premium by:

  • Increasing your deductible amount
  • Placing your auto insurance with us  
  • Preventing damage to your home by regular maintenance
  • Performing safety inspections

Discounts and packages are subject to state availability and individual eligibility. Discounts may not apply to all coverages and/or all vehicles.


I'm a customer for life!

Patricia B

Hickory, North Carolina