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OnStar subscribers are eligible for discounts on their auto insurance with select insurance companies. The discounts are divided into three categories: good driver discounts, low mileage discounts, and discounts for simply having OnStar. OnStar is available for almost any car, as the company offers specially equipped mirrors in addition to the traditional service provided by General Motors cars. The amount of the discount varies depending on the insurance company and state, with some companies offering up to 54% off the yearly premium. To receive the discount, customers may need to share their OnStar data with the insurance company or purchase a subscription to activate OnStar.
| Characteristics | Values |
|---|---|
| Discount types | Good driver discounts, low mileage discounts, discounts for having OnStar, anti-theft device discounts |
| Discount amounts | 5%, 10%, 12.1%, 20%, 45%, 54% |
| Insurers offering discounts | Progressive, State Farm, National General, Liberty Mutual, High Point Auto Insurance, 21st Century Insurance, GMAC Insurance, Plymouth Rock Assurance, Farmers Insurance |
| Requirements | OnStar subscription, OnStar data sharing, low mileage, safe driving habits |
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What You'll Learn
Discounts for good drivers, low mileage, and having OnStar
OnStar offers various discounts for its members, including those for good drivers, low mileage, and simply for having an OnStar membership.
Good Driver Discounts
OnStar partners with insurance companies like Progressive and State Farm to offer discounts to customers who share their OnStar data. Progressive's Snapshot program is usage-based insurance, meaning it adjusts rates based on driving habits. State Farm's Drive Safe & Save with OnStar program allows drivers to verify their mileage and qualify for low mileage discounts.
Low Mileage Discounts
OnStar's partnership with State Farm and National General allows for mileage monitoring, which can lead to savings. State Farm customers can receive discounts through the Drive Safe & Save with OnStar program, where OnStar verifies their mileage.
OnStar Membership Discounts
In many states, insurers like Liberty Mutual and National General offer a flat discount of around 10% for OnStar members. Home insurance policies can also be discounted by up to 10% if you have multiple insurance types with the same company.
To take advantage of these discounts, you can check with your insurance company or review your account on their website or app to see if the discount has been applied. OnStar is available for most cars, either through a subscription or the purchase of a specially equipped mirror.
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Insurers that offer discounts
OnStar subscribers are eligible for discounts on their auto insurance. However, not all auto insurance companies offer these discounts. Some insurers that do offer discounts include:
- GMAC Insurance
- High Point Auto Insurance
- Liberty Mutual
- National General
- State Farm
- 21st Century Insurance
These insurers offer discounts of up to 54% on yearly insurance premiums. Discounts are divided into three categories: good driver discounts, low mileage discounts, and discounts for simply having OnStar. For example, Progressive offers discounts to customers who share their OnStar data with Progressive's Snapshot program, which adjusts insurance rates based on driving habits. State Farm also offers a Drive Safe & Save program that allows drivers to save up to 45% on their auto insurance, with savings based on the number of miles driven.
In many states, insurers like Liberty Mutual and National General offer a flat discount of around 10% for OnStar members. Even home insurance policies can sometimes be discounted by up to 10% with OnStar if multiple types of insurance are held with the same company. New Jersey residents who are OnStar subscribers receive a 20% discount on comprehensive coverage and 5% off their entire auto policy if they also insure their home with High Point.
It is worth noting that some insurance companies, like AllState, do not offer discounts for OnStar. It is recommended to check with your insurance provider to see if they offer OnStar discounts and to compare quotes to ensure you are getting the best price.
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Discounts for students
OnStar offers a range of discounts and deals to its customers, including students. While there are no student-specific discounts advertised, students can take advantage of the general OnStar discounts and deals, as well as any additional savings offered by their car insurance company.
Good Student Discounts
All of the 10 largest insurance companies offer a good student discount, with qualifications and eligibility typically being the same across insurers. For instance, State Farm offers a good student discount of up to 25% on premiums. To qualify for a good student discount, you generally need to be a high school or college student with at least a B grade.
OnStar Discounts and Deals
OnStar provides various discounts and deals that students can benefit from. These include:
- Free Trials: OnStar occasionally offers free trials, typically lasting up to three months, for new subscribers.
- First Responder Discount: OnStar provides a discount for public safety professionals, including police officers, paramedics, and firefighters, with a maximum discount of 20% on GM vehicle plans.
- Short-Term Deals: OnStar sometimes offers short-term deals, such as Black Friday promotions.
- Second-Year Discount: OnStar partners with certain insurance companies to offer discounts to customers in their second year of subscription. For example, Plymouth Rock Assurance offers a general discount for OnStar members in their second year.
- Usage-Based Insurance Programs: OnStar partners with insurance companies like Progressive and State Farm to offer usage-based insurance programs. These programs track your driving behaviour and offer discounts based on safe driving habits and low mileage.
Car Insurance Company Savings
In addition to OnStar discounts, students can explore potential savings offered by their car insurance company. Some insurance companies provide additional discounts to OnStar members. For example, Nationwide offers a SmartRide discount to OnStar customers who share their driving data.
It's important to note that the availability and amount of discounts may vary by insurance company and state. Students should carefully review the discounts offered by their insurer and compare quotes to ensure they're getting the best possible deal.
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Discounts for anti-theft devices
Installing anti-theft devices in your vehicle can help protect your car and lower your insurance premiums. Many insurance companies offer discounts to policyholders with anti-theft devices in their vehicles because it helps them save on coverage costs.
Anti-theft devices can be installed by the vehicle's manufacturer or the driver themselves. Some common anti-theft devices include steering wheel locks, audible alarm systems, and remote disabling systems. Steering wheel locks prevent the wheel from turning, making it difficult for thieves to drive the car. Audible alarm systems emit a loud noise when someone tries to break into your vehicle, attracting attention and deterring thieves. Remote disabling systems, on the other hand, allow you to control your vehicle remotely, decelerating, downshifting, or locking the brakes. They also provide GPS tracking, allowing you to locate your vehicle if it is stolen.
Subscription services like OnStar offer remote disabling and GPS tracking features, preventing your vehicle's engine from starting when you report a theft. OnStar also provides additional safety features such as vehicle diagnostics, automatic crash response, turn-by-turn navigation, and hands-free calling.
In many states, insurance companies like Liberty Mutual, National General, and Progressive offer discounts to OnStar subscribers. These discounts can range from 5% to 20% on comprehensive coverage and auto policies, with some insurers offering up to 54% off the yearly premium. To apply for an OnStar insurance discount, you can contact your insurance provider and inquire about any available discounts for OnStar subscribers. Additionally, you can check your account on the insurance company's website or app to see if the discount has been applied to your policy.
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Discounts for multiple insurance types
OnStar subscribers are eligible for discounts on their auto insurance. Some auto insurance companies offer exclusive discounts to OnStar subscribers, with certain insurers offering as much as 54% off the yearly premium. OnStar discounts are divided into three categories: good driver discounts, low mileage discounts, and discounts just for having OnStar.
For instance, Progressive offers discounts to customers who agree to share their OnStar data with Progressive's Snapshot program. Snapshot is a usage-based insurance program that adjusts your car insurance rates based on your driving habits. Similarly, State Farm customers in most states can receive discounts through the Drive Safe & Save with OnStar program, which allows drivers to verify their mileage via OnStar and save on each six-month policy if they qualify for State Farm's low mileage discount.
In many states, insurers like Liberty Mutual and National General offer a flat discount of around 10% simply for being an OnStar member. Home insurance policies can sometimes be discounted up to 10% with OnStar if you have multiple types of insurance through the same company. For example, New Jersey residents who are OnStar subscribers receive a 20% discount on their comprehensive coverage plus 5% off their entire auto policy if they also insure their home with High Point.
If you are considering purchasing an OnStar subscription, check to see what discounts you will be eligible for based on your insurer and state.
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Frequently asked questions
OnStar is a subscription service that provides safety, security, and advanced technology features for vehicles. It offers services such as vehicle diagnostics, mobile apps, automatic crash response, turn-by-turn navigation, virtual assistance, and stolen vehicle tracking.
The process of obtaining an OnStar insurance discount may vary depending on your insurance provider. Some companies may automatically apply the discount if they have a partnership with OnStar. In other cases, you may need to contact your insurance company and inquire about any discounts offered for OnStar subscribers. You may be required to provide proof of your OnStar subscription, such as diagnostic results or other relevant documentation.
Several insurance companies offer discounts for OnStar subscribers. Some of the known companies include Liberty Mutual, National General, State Farm, 21st Century Insurance, High Point Auto Insurance, and GMAC Insurance. Additionally, New Jersey residents can receive a discount from Plymouth Rock Assurance. It is always recommended to check with your specific insurance provider to confirm if they offer OnStar discounts.
The amount of discount offered can vary depending on the insurance company and your specific circumstances. Some companies offer flat discounts of around 10% on auto insurance for being an OnStar member. Others may provide discounts of up to 45% based on the number of miles driven, while some may offer lower rates of around $11 per year or $1 per month. The exact savings may depend on various factors, including your driving habits, mileage, and the presence of other discounts.
The requirements for the OnStar insurance discount may vary depending on the insurance company. However, in general, you need to be an active OnStar subscriber. Some companies may require you to have a certain type of vehicle or specific safety features enabled through OnStar. Additionally, some insurers may offer larger discounts if you have multiple types of insurance policies with them, such as both auto and home insurance.
