Insurance Discounts

Are You Saving All You Can?

Want to save money while protecting your dreams? American Family Insurance provides a variety of insurance discounts. Availability and eligibility vary by state and policy terms.

Contact an American Family Insurance agent for details on how to maximize your savings without compromising on great insurance coverage supported by outstanding service.

Bundled Insurance Packages
Auto Insurance Discounts
Homeowners Insurance Discounts

Umbrella Insurance Discounts

Van in driveway

Bundled Insurance Packages

You can save money on American Family's bundled insurance discounts involving home insurance and auto insurance, as well as life and motorcycle insurance. Availability and eligibility requirements may vary by state and policy terms.

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Car on road

Auto Insurance Discounts

On the road to your dreams? You can benefit and save from American Family’s auto insurance discounts. Availability and eligibility requirements vary by state and policy terms.

Contact an American Family Insurance agent today to find out if any of the following discounts apply to you.

Accident-Free – It can pay to be a good driver. In certain states, you’re eligible for a 5 percent discount if you’ve insured your vehicle with American Family Insurance for three consecutive years without an accident. Auto customers who’ve insured with us for six years or more without an accident are eligible for a 10 percent insurance discount.

Air Bag Discount – You're eligible for this insurance discount if your private passenger vehicle is equipped with factory-installed air bags. Discount rates range from 10 to 30 percent depending on the state.

Defensive Driver Discount – A good defense is a good offense. In certain states, you're eligible for a 5 or 10 percent discount if you meet specific age requirements and have completed an approved defensive driving course.

EarlyBird Discount – You might be eligible for either a 5 or 10 percent insurance discount if you're an auto customer holding an active policy with another carrier and purchase a policy with us at least seven days before it goes into effect.

Good Driver Discount – Drive safely and save money, too. Drivers without accidents, violations or claims may be eligible for a 5 or 10 percent premium reduction in certain states.

Good Student Discount – Doing well in school brings about lots of advantages in life. In some cases, it could mean a Good Student Discount on auto insurance premiums. Discount percentages will vary based on certain factors.

Multiple Vehicle Discount – Insure more vehicles, save more money. If you insure more than one vehicle with American Family, you may qualify for a reduced auto insurance premium on your cars and trucks. Discount percentages will vary.

Steer into Savings Discount – If you come to American Family from one of our competitors, you could get a discount on your auto premium. Discount percentages will vary.

TimeAway Discount – This auto insurance discount is designed for existing customers with drivers up to 24 years old, who attend school without the insured vehicles and are 100 or more miles away from their homes. Discount percentages will vary.

Homeowners Insurance Discount Image

Homeowners Insurance Discounts

American Family can help protect your dream — and save you money in the process — by offering a variety of home insurance discounts. Availability and eligibility requirements vary by state and policy terms.

Contact an American Family Insurance agent today to see which of the following discounts may apply to you.

Age of Customer Discount – With age comes savings … Discounts ranging from 2 to 12 percent may apply to new or existing policies starting at age 50 for homeowners and renters, and age 60 for condo owners.

Claims-Free Discount – No claims? Your gain! Qualify for a 3 to 13 percent discount on your homeowners insurance if you haven’t had any chargeable claims for at least five years.

Customer Longevity Discount – If you've insured your home with American Family Insurance for at least five years, you could receive an insurance discount between 5 and 15 percent.

Home Purchase Discount – You may qualify for a 2 to 5 percent insurance discount if you purchased your home or condo within the last three years, regardless of its age.

Home Security & Fire Protection Discount – If your home is equipped with a qualifying smoke/fire alarm system, a burglar alarm or an automatic sprinkler system, you may receive a 3 to 20 percent insurance discount on your property policy.

Impact-Resistant Hail Roofing Discount – In some states, if your home has an impact-resistant roof meeting specific criteria relating to age and materials, you may be eligible for a 2 to 6 percent discount on your homeowners insurance.

New Home Discount – You may be eligible for a discount based on the age of your home and the year you first occupied it. New home discount rates range from 4 to 32 percent, and decrease with each passing year. (In Minnesota, you may qualify for an Electrical System Discount instead.)

Welcome Home Discount – New home customers may qualify for insurance discounts from 2 to 14 percent on coverage for primary and secondary homes that are seven years old or less.

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mother and daughter in pool

Umbrella Insurance Discounts

Get extra liability protection with American Family umbrella insurance coverage, and save money with discounts, too. Availability and eligibility requirements vary by state and policy terms.

Contact an American Family Insurance agent today to see which of the following discounts may apply to you.

Age 50 + Discount – Any named insured operator that is at least 50 years of age (or will be turning 50 during the umbrella policy term) can receive up to a 5 percent discount on his or her umbrella premium.

Discount for High Underlying Limits – Discounts may also be available when underlying policies have high liability limits.

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