Disney World Discounts: Auto Insurance Companies Offering Deals

Disney World is a magical place, but a trip there isn't cheap. With the average cost of a Disney World vacation for a family of four reaching $6,865 in 2024, according to the Mouse Hacking website, it's no surprise that people want to save money where they can. One way to do this is by taking advantage of discounts offered by auto insurance companies. While it's not clear which companies offer Disney World discounts specifically, some of the top auto insurance companies in the US include USAA, Auto-Owners, Nationwide, State Farm, and Geico. These companies offer a range of discounts that could help offset the cost of a Disney World vacation. It's always worth checking with your auto insurance company to see if they offer any discounts or promotions that could save you money on your next vacation.

Discounts for bundling home and auto insurance

Bundling your home and auto insurance could be a great way to generate significant savings on both policies and make your insurance more convenient to handle with a single insurer. If you own a home and have a car, getting quotes for both policies with the same insurer might be well worth your time and lead to reduced premiums.

According to US News, a bundling discount (or multi-policy discount) with the same insurance company can save you an average of 7% to 25% on your premiums. Forbes Advisor's analysis of ten large insurance companies found that the average auto and home insurance bundling discount is 14%, which is a savings of around $466 a year.

Bankrate reports that most insurance companies provide bundling discounts when policyholders purchase more than one policy type with the same carrier, and typical bundling discounts with many top carriers hover around 20%.

State Farm, the nation's largest property and casualty insurer by market share, offers a remarkable bundling discount of up to $1,273 annually.

USAA, which caters to members of the military, veterans, and their families, is also a good option for bundling. USAA is the cheapest among US News' top-ranking car insurers and ranks first for customer service, claims handling, and discounts for car insurance. It also has a bundling discount of 10%.

Allstate is another insurer to consider for bundling, with a discount of up to 25%. However, Allstate has higher average premiums for home and auto coverage compared to some competitors, and it scored below the segment average for overall homeowners customer satisfaction and property claims satisfaction per J.D. Power.

Other insurers that offer bundling discounts include Farmers, Nationwide, and Travelers.

In addition to the convenience and potential savings of bundling, there are other benefits to consider. Having only one insurance company to deal with for payments and customer service can save you time, and you might be able to combine bills and manage multiple insurance products in a single online account.

However, there are also some potential drawbacks to bundling. You may be able to find cheaper premiums by purchasing your home and auto insurance from separate companies, and bundling may not be available if your preferred insurer does not sell both types of insurance. Additionally, you may have limited coverage and discount options, and some products may be sold by third-party companies.

Discounts for military members and veterans

Several auto insurance companies offer discounts for military members and veterans. Here are some of the top options:

GEICO

GEICO is dedicated to serving current and former members of the military and has a team composed of veterans who understand the unique circumstances of servicemen and women. They offer a Military Discount of up to 15% on the total insurance premium for those who are on active duty, retired from the military, or a member of the National Guard or Reserves. GEICO also provides Emergency Deployment Discounts and insurance discounts for members of certain military-related organizations.

USAA

USAA offers exclusive insurance policies for military members and their families, often at significantly lower rates than competitors. They also provide a discount for customers who store their vehicles on base.

Esurance

Esurance offers the ability to cancel a policy without penalty for military members called into active duty.

Alfa

Alfa offers a $500 incentive for active-duty service members and veterans.

American Family Safety

American Family Safety provides a 15% discount for active-duty members, reserves, veterans, and first responders of the U.S. Army, Air Force, Navy, Marine Corps, Coast Guard, and the National Guard.

Arabella

Arabella offers a 10% discount through their Military Away program for drivers deployed more than 100 miles from where their car is garaged.

Direct Auto

Direct Auto offers discounts of up to 25% on key auto insurance coverages for active-duty service members in Alabama, Florida, and Louisiana.

Direct General

Direct General provides discounts for active-duty service members.

Farmers

Farmers offers discounts for those in the military, including active duty, active reserves, retired, and honorably discharged military veterans.

Freeway

Freeway offers a military discount to active-duty, retired, reserve, and National Guard service members.

Liberty Mutual

Liberty Mutual provides discounts on auto insurance policies for active duty, retired, or reserved military drivers.

Shelter

Shelter offers discounts to active military members and their families based in Louisiana.

These are just a few examples of auto insurance companies that offer discounts for military members and veterans. It is always a good idea to research the options available in your specific state or region, as some companies may offer better discounts or benefits tailored to your needs.

Discounts for good drivers

Many auto insurance companies offer discounts for good drivers. Here are some of the top companies and the discounts they offer:

USAA

USAA is available only to current and former military members and their families. It offers the following discounts:

• Bundle and save (multi-policy discount)
• Military on-base discount
• Good student discount
• Clean driving record discount
• Safe driver discount
• Defensive driver training discount
• Basic driver training course discount
• SafePilot discount (driver tracking program)
• Newer vehicle discount
• Anti-theft devices discount
• Deployment/storing discount
• Driving less discount
• Loyal member discount
• Multi-vehicle discount
• MyUSAA Legacy discount

Auto-Owners

Auto-Owners is available in 26 states. It offers the following discounts:

• Multi-policy discount
• Payment history discount
• Life multi-policy discount
• Paid-in-full discount
• Safety feature discounts
• Advance quote discount
• Favorable loss history discount
• Student discounts

Nationwide

Nationwide is available in 46 states and Washington, D.C. It offers the following discounts:

• Multi-policy discount
• Defensive driving discount
• SmartRide (usage-based insurance program)
• Anti-theft devices discount
• SmartMiles (based on miles driven)
• Safe driver discount
• Accident-free discount
• Automatic payments discount
• Good student discount
• Paperless discount

State Farm

State Farm is available in all 50 states and Washington, D.C. It offers the following discounts:

• Drive Safe & Save discount (driver tracking program)
• Steer Clear discount
• Accident-free driving discount
• Defensive driving course discount
• Good driver discount
• Vehicle safety discount
• Passive restraint discount
• Multiple auto discount (multi-vehicle)
• Multiple line discount (multi-policy)

Geico

Geico is available in all 50 states and Washington, D.C. It offers the following discounts:

• Anti-lock brakes discount
• Anti-theft system discount
• Daytime running lights discount
• New vehicle discount
• Good driver discount
• Seat belt use discount
• Defensive driving discount
• Driver's educational course discount
• Good student discount
• Emergency deployment discount
• Federal employee discount
• Membership and employee discounts
• Multi-vehicle discount
• Mult-policy discount

Other Companies

Other auto insurance companies that offer good driver discounts include Progressive, Allstate, American Family, Farmers, and Erie. These companies provide various discounts such as safe driving discounts, good student discounts, multi-policy discounts, and more.

Discounts for accident-free driving

Accident-free driving discounts are a great way to save on auto insurance premiums. Here are some tips and insights to help you maximize your savings:

Understanding Accident-Free Driving Discounts

Accident-free driving discounts are offered by many insurance companies to reward safe drivers. These discounts are typically given to drivers who have a clean driving record, free of any at-fault accidents, speeding tickets, or moving violations. The specific criteria and requirements for earning this discount may vary between insurance providers, so it's always a good idea to review their policies carefully.

How to Qualify for Accident-Free Driving Discounts

To qualify for accident-free driving discounts, maintaining a clean driving record is crucial. This means avoiding any at-fault accidents, moving violations, or traffic infractions. Each insurance company has its own definition of what constitutes an accident-free driving record, so be sure to review their specific guidelines. Additionally, the length of time you need to maintain a clean record to qualify for the discount can vary, with some companies requiring a longer period than others.

Factors Affecting the Discount Amount

The amount of discount offered for accident-free driving can vary depending on several factors:

• Driving History: The length of your accident-free driving record plays a significant role. The longer you maintain a clean record, the higher the potential discount.
• Insurance Company: Different insurance providers offer varying discounts. It's worth comparing rates and discounts between companies to find the most advantageous option for you.
• Location: Discounts can also vary based on your state of residence, as insurance rates tend to differ across states.
• Other Factors: Other factors, such as your age, type of vehicle, and overall driving experience, can also influence the discount amount.

Comparing Insurance Companies

When comparing auto insurance companies, it's essential to consider their accident-free driving discounts along with other factors:

• Overall Cost: Evaluate the total cost of the insurance policy, including premiums, deductibles, and potential out-of-pocket expenses.
• Coverage Options: Ensure the insurance company offers the specific coverage options you need, such as liability, collision, and comprehensive coverage.
• Customer Satisfaction: Research customer reviews and ratings to gauge the company's responsiveness, ease of filing claims, and overall customer satisfaction.
• Additional Discounts: In addition to accident-free driving discounts, consider other discounts you may be eligible for, such as good student discounts, bundling discounts, or loyalty programs.

Examples of Insurance Companies with Accident-Free Driving Discounts

• State Farm: State Farm offers a safe driving discount for customers who maintain a clean driving record. They also provide a range of other discounts, including good student and bundling discounts.
• Progressive: Progressive is known for its accident forgiveness program, which helps prevent rate increases after your first at-fault accident. They also offer a variety of other discounts.
• Erie: Erie Insurance provides affordable premiums and offers accident forgiveness as well as other coverage options. They have high customer satisfaction scores and a below-average NAIC complaint index.
• USAA: USAA caters to military members, veterans, and their families, offering competitive rates and accident forgiveness. They also provide discounts for deployed individuals and those storing their vehicles on base.
• Geico: Geico offers a range of insurance products and has a strong reputation for customer satisfaction. They provide accident forgiveness and a variety of optional add-ons, such as emergency roadside assistance.

Remember, it's important to shop around, compare rates, and carefully review the policies and discounts offered by different insurance companies to find the best fit for your needs and driving record. Maintaining a clean driving record is the key to maximizing your savings with accident-free driving discounts.

Discounts for safe vehicles

Safe vehicles are rewarded with discounts from insurance companies. State Farm, for instance, offers discounts for vehicles with factory-installed airbags or other passive restraint systems, with potential savings of up to 40% on medical-related coverage. Anti-lock brakes, airbags, and daytime running lights are also rewarded with discounts from insurance companies. Airbag discounts for full-front seat airbags can be as high as 40% on medical payments or personal injury protection coverage.

Cars that are less than three years old can often qualify for a new car discount, with savings of 10% to 15%. Anti-theft features are also rewarded with discounts of up to 25% off comprehensive coverage. GPS-based systems, stolen vehicle recovery systems, and VIN etching are some of the anti-theft measures that can help lower insurance costs.

In addition to safety features, insurance companies also consider the age of the vehicle. State Farm, for example, offers discounts for vehicles that are three years old or newer.

It is important to note that discounts may vary by state and insurance company, and it is always a good idea to ask your insurance agent about available discounts and how to qualify for them.

Frequently asked questions