Discounts
Smart Savings

From markdowns for switching to American Family, to savings that reward safe habits, discover all the ways you can save!

  1. Multi-Vehicle Discount
    If you insure more than one vehicle with us, you may qualify for a reduced auto insurance premium on your cars and trucks.

    Loyalty Discount
    If you’ve been a loyal American Family customer for a while, we think you deserve a discount. The amount you save will depend on how long you’ve been part of our family.

    Early-Bird Discount
    If you have an active policy with another carrier and receive a quote from us at least seven days before the policy goes into effect you could get a discount.

    Multi-product Discount
    Save money when you protect more than one dream with us — like bundling your auto and home policies.

    Steer into Savings Discount
    Shh. We won’t tell if you come to American Family from one of our competitors, you could get a discount on your auto premium.

    Auto Safety Equipment Discount
    Is your vehicle equipped with factory-installed air bags? Nice work you could get a 10-30 percent discount on your policy depending on what state you live in.

    Defensive Driver Discount
    Study up. In certain states you could get a 5-10 percent discount if you are 55+ years old and complete an approved defensive driving course.

    Good Driving Discount
    Hello role model. Drivers without accidents, violations or claims may be eligible for a reduced rate premium in certain states.

    Low Mileage Discount
    You don’t have to go very far to save money. American Family customers who drive less than 7,500 miles per year can qualify for additional savings.

    Good Student Discount
    Good grades pay off. In some cases your students top notch track record could help you save on your insurance premiums.

    Teen Safe Driver Discount
    Help your teen make better choices behind the wheel. This program is free to auto policyholders with a teenage driver, and you may get a discount on your policy for enrolling.

    Away At School Discount
    If your child is a student who is under age 25 and more than 100 miles away at college, and they haven’t taken a car with them to school, you save. Or if you’re the student over 100 miles away from your parked car back at home, you save.

    Young Volunteer Discount
    Giving back is rewarding. If you’re under age 25 and complete 40 hours of volunteer work per year for a non-profit you could save money on your auto policy.

    Generational Discount
    Is mom or dad an American Family customer? Are you between the ages of 18-24? Then you could save on your auto policy.

    KnowYourDrive Discount
    In some states, you can get a discount when you sign up for KnowYourDrive, a cool program that helps you learn safer, smarter driving habits, and rewards you with savings on your car insurance. Depending on how you drive during KnowYourDrive evaluation periods, you can earn program discounts of up to 40%* on your car insurance.

    Program discounts will vary based on driving behavior. The KnowYourDrive discount applies only to the follow variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. To refresh your understanding of coverages visit amfam.com/insurance/car/coverages. Additionally, the discount does not apply to fixed fees that are part of your policy.

  2. Multi-product discount. Save money when you protect more than one dream with us — like bundling your auto and home policies. The more policies you have, the more you save.

    Smart home discount. If your home is equipped with a qualifying smart device, like a RING Video Doorbell or a Nest device, you could be in for a better rate with our proactive home protection discount.

    Age of home discount. How new is your home? Ask your agent if you’re eligible for savings based on the age of your house.

    Renovated home discount. Have you completely replaced the plumbing, electrical and heating systems in your home in the last 15 years? Then this discount is for you!

    Home purchase discount. If you’ve achieved your dream of purchasing a home within the past three years, you’re eligible for this discount — regardless of your home’s age.

    Savvy habits that save. Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Loyalty discount. If you’ve been a loyal American Family customer for a while, you may qualify for a reduced home insurance premium. We reward you for being part of our family!

    Generational discount. Is mom or dad an American Family customer? Then you could save on your homeowners policy.

  3. Bundle Up
    Our happiest customers protect more than one dream with us. Bundle your policies today to save time and get extra savings!

    No Claims? Your Gain!
    You may qualify for savings on your renters insurance if you haven’t had any chargeable claims for at least five years. It pays to protect and prevent!

    Proactive Home Protection
    If your home is equipped with one or more qualifying smart home devices – such as a smoke/fire alarm system, water/ moisture detection system, or a Ring Video Doorbell – you could be in for a better rate.

    Smart Payments
    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

  4. Bundle Up
    When you bundle your policies and protect more than one dream with us, you’re not only saving time and reducing hassle, but saving money.

    Get Smart
    If your condo is equipped with qualifying smart home devices, including a smoke/fire alarm system, water/moisture detector, Ring™ Video Doorbell, burglar alarm or an automatic sprinkler system, you could be in for a better rate.

    No Claims, Your Gain
    If you haven’t had any chargeable claims within the last five years, you may be eligible for extra savings. It’s just our way of saying thanks.

    We Customize Your Savings
    We take the time to make sure you get all the condo insurance discounts you are eligible for, because saving money is one way to make achieving your dream just a little easier. You may be eligible for special savings based on things like your age, years as an American Family customer, switching to online billing, and more.

    Smart Payments
    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

  5. Safety - Savvy Habits
    You deserve credit for being smart about safety. Save with our Motorcycle Safety Course, Cycle Safety Equipment and Cycle Anti-Theft Equipment insurance discounts.

    Riding Experience
    We'll support your safe riding record with our Experienced Rider and Good Driving insurance discounts.

    Smart Payments
    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Popular Discounts
    Cruise toward savings with our Multi-Cycle, Multi-Product and Continuous Coverage insurance discounts.

  6. Smart Home
    If your home is equipped with qualifying devices – including a smoke/fire alarm system, burglar alarm or automatic sprinkler system – you could be in for a better rate.

    Bundle Up
    Got a home and a car? Why not bundle your manufactured home and auto policies? You can save time and money when you protect more than one dream with us. 

    Newer Home, Better Savings
    How new is your new home? Ask your agent if you’re eligible for savings based on the age of your house.

    All In The Family
    Is mom or dad an American Family customer? Are you between the ages of 18-30? Then you could save money on your manufactured homeowners policy!

    Home Purchase
    If you’ve purchased a manufactured home within the past three years you’re eligible for this discount, regardless of your home’s age. 

    Paid In Full
    It pays to pay in full. The Customer Full Pay Discount saves you money when you pay your policy in full at time of purchase.

    Go Paperless
    Save a tree and save money by enrolling in online billing and e-delivery of policy documents. Your agent can help you get set up.

    AutoPay
    Save time, stamps, checks and money! When you enroll in automatic funds transfer (AFT) or electronic recurring payments, you qualify for a discount.

  7. Study Up
    Have you completed and passed a boating safety course? Nice work, sailor! You may be eligible for extra savings.

    Safety Feature Add-Ons
    Keeping your boat safe is an important step in protecting your dreams. You may be eligible for extra savings if your boat is equipped with qualifying safety features.

    Customer Full Pay Discount
    It pays to pay in full! In certain states, you could get a discount if you pay your policy premium in full at the beginning of a term.

  8. Multi-Product Discount
    Save money when you protect more than one dream with American Family – like combining your ATV insurance with another product like car or home insurance.

    Multi-Cycle Discount
    Have more than one ATV or motorcycle? Or a family of ATV and cycle riders? Hit the trail to even more savings.

    Smart Payments
    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Experienced Rider Discount
    The more time you have on the trails, the more money you can save. Savings start after one year of riding experience and grow from there.

  9. Customer Full Pay Discount
    It pays to pay.In certain states, you could get a discount if you pay your policy premium in full at the beginning of a term.

    Auto Safety Equipment Discount
    Is your RV equipped with factory-installed air bags, anti-lock brakes, daytime running lights, and/or electronic stability control?  Nice work. You could get a discount on your policy, depending on what state you live in.

    Defensive Driver Discount
    Study up. In certain states, you could get a discount if you complete an approved defensive driving course and meet specific age requirements.